Direct DSCR Lender · Georgia
DSCR loans in Georgia. Built for speed.
Direct DSCR lender serving Georgia real estate investors. Qualify on rental income — no tax returns or W-2s. Same-day scenario response, 95% approval rate.
- Statewide Georgia coverage
- No tax returns or W-2s
- 15% down minimum
- Credit scores from 620
- LLC, trust, or personal name
- STR (Airbnb) & foreign national OK
What's your goal?
Pick what you'd like to do today.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Why Georgia investors choose Quicker Home Loans.
Georgia gives us one of the fastest foreclosure processes in the country — non-judicial security deeds can complete in as little as 30 to 45 days once advertising starts, and post-foreclosure dispossession of a tenant at sufferance is efficient. Statutes lean strongly landlord-friendly, property tax is middle-of-pack, and Atlanta metro alone has made this a top-5 DSCR state for us.
Atlanta metro drives Georgia DSCR volume — both intown neighborhoods and the broader OTP (outside-the-perimeter) markets. Augusta, Savannah, Macon, and Columbus round out the state. Out-of-state investors are well-represented; the price-to-rent ratios in DeKalb and Gwinnett still cash-flow meaningfully compared to coastal-market peers, which keeps deal flow steady.
When a Georgia deal doesn't fit our standard guidelines, we run it through the Approval Engine — a wider underwriting framework that finds an angle. That's how we close 95% of the deals we touch.
Georgia DSCR context
DSCR in Georgia — what matters.
A few Georgia-specific factors shape how DSCR deals get structured here:
- Foreclosure process
- Georgia uses a non-judicial foreclosure process, with typical uncontested timelines running 30–45 days.
- Property tax
- Statewide owner-occupied benchmark is roughly 0.79%. Investment property underwriting should use actual county tax bills and investor assessment rules — not homeowner-facing averages.
- Landlord climate
- Georgia's landlord-tenant framework is strongly landlord-friendly.
- Short-term rentals
- City/county level; Atlanta has an STR ordinance requiring registration.
Right program, right state
Which QHL programs fit Georgia.
Standard DSCR at 80% LTV is the default for Atlanta SFR and 2-4 unit. Savannah and coastal Georgia STR operators fit our Airbnb DSCR program well. Investors scaling across multiple metro-Atlanta rentals should ask about blanket — consolidating 10+ doors into one loan usually lowers the all-in rate and cuts closing count to one.
Prepayment penalty
Prepayment penalty in Georgia.
Up to a 5-year prepayment penalty period is permitted under QHL programs in this state.
PPP terms are confirmed at underwriting and may vary with loan amount, vesting, and property type.
All programs available
Loan programs in Georgia.
DSCR Loans
Qualify on rental income — no tax returns or W-2s.
Learn more →DSCR HELOC / 2nd Mortgage
Tap equity from your investment property — without touching your first.
Learn more →Fix-and-Flip Loans
Buy. Rehab. Sell. Repeat.
Learn more →Bank Statement Loans
12 or 24 months of bank statements instead of W-2s.
Learn more →ITIN Loans
Buy or refinance investment property with an ITIN — no SSN required.
Learn more →Commercial Real Estate
Multi-family, mixed-use, retail, office, industrial.
Learn more →Blanket & Portfolio Loans
Finance 2 to 100+ properties under one loan.
Learn more →Transactional Funding
Same-day funding for double closings.
Learn more →P&L Statement Loans
Qualify with a CPA-prepared profit & loss statement.
Learn more →Cities served
We serve investors in every Georgia city.
Don't see your city? We lend everywhere in Georgia. Call 551-375-6403.
Questions
DSCR loans in Georgia — FAQ
Yes. Quicker Home Loans is a direct DSCR lender serving Georgia real estate investors. We finance single-family rentals, 2–4 unit, multifamily, mixed-use, and short-term rentals statewide.
Ready to lower your rate?
Ready to fund your next Georgia investment?
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.
Disclosure
The content on this page is provided for informational purposes only and does not constitute legal, tax, accounting, or financial advice. While Quicker Home Loans endeavors to keep state-specific information accurate as of the last review date, statutes, regulations, tax rates, and local ordinances are subject to change. You should independently verify any statement on this page with qualified legal counsel, a licensed tax professional, or the appropriate state or local authority before relying on it in connection with a real estate investment or loan decision. Last reviewed: April 18, 2026.