DSCR Loans for Georgia Real Estate Investors
Georgia’s rental market is growing fast. If you want to learn how to qualify for DSCR loans in Georgia for rental properties, this post is for you.
What Is a DSCR Loan?
DSCR means Debt Service Coverage Ratio. It allows investors to qualify based on rental income instead of personal income or tax returns.
If your rental income covers the mortgage, you can qualify.
Why DSCR Loans Are Popular in Georgia
Strong rental markets in Atlanta, Savannah, and Augusta
No need to show W-2s or tax returns
Great for single-family homes and multi-family properties
Appeals to investors from Florida, South Carolina, and Alabama
DSCR Loan Requirements in Georgia
DSCR Ratio: Usually between 1.0 and 1.25 minimum
Credit Score: 620+
Down Payment: 20% or more
Loan Amounts: $100,000 to $2 million+
Eligible Properties: Single-family, duplex, triplex, fourplex
Best Cities in Georgia for DSCR Loans
Atlanta: Thriving rental demand with steady appreciation
Savannah: Growing rental market with tourism influence
Augusta: Affordable properties with strong cash flow
How to Qualify for DSCR Loans in Georgia for Rental Properties
Lenders focus on rental income to qualify investors for DSCR loans. This means you can get financing without tax returns or proof of personal income, making it ideal for Georgia real estate investors.
