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Georgia · Rental property loans

DSCR Loans in Georgia

Long-term rental loans for Georgia investors, qualified on the property's cash flow. No tax returns, W-2s or debt-to-income ratio, just the rent, the value and your credit.

PurchaseUp to 80% LTV
Cash-outUp to 75% LTV
Term30-year fixed
Income docsNone
Georgia DSCR rental loansUp to 80% LTV · Up to 75% LTV2,000+ capital partners

DSCR Loans in Georgia

Win-Win Capital Funding arranges DSCR loans across Georgia through more than 2,000 capital partners. Our DSCR engine compares multiple lenders at once, so Georgia investors see the best available rate for their credit, leverage and cash flow, whether they're buying their first rental or refinancing a portfolio.

Georgia dscr loans programs

ProgramMax leverageTerm / notes
PurchaseUp to 80% LTV30-year fixed; interest-only options
Rate/term refinanceUp to 80% LTV30-year fixed
Cash-out refinanceUp to 75% LTV30-year fixed
Short-term rental (Airbnb)Up to 75–80% LTVProjected or actual STR income
No-ratio / DSCR under 1.0Lower leveragePriced on credit and LTV

What we finance in Georgia

  • Single-family rentals, 2–4 unit properties, condos and townhomes
  • Short-term and vacation rentals
  • Purchases, rate/term refinances and cash-out refinances
  • BRRRR refinances after a rehab
  • LLC and corporate vesting
  • Portfolio and blanket loans for multiple rentals

Areas we serve in Georgia

  • Athens
  • Atlanta
  • Augusta
  • Columbus
  • Savannah

We also lend in suburban, rural and resort markets throughout Georgia.

More Georgia financing

Fix & flip loans in Georgia · Hard money in Georgia · RV park financing in Georgia · Business HELOC in Georgia · Business second mortgage in Georgia · Bridge Loans in Georgia · Ground-Up Construction Loans in Georgia · SBA 7(a) Loans in Georgia

Investors in nearby states can see DSCR Loans in Florida, DSCR Loans in Alabama, DSCR Loans in Tennessee, DSCR Loans in North Carolina, DSCR Loans in South Carolina.

Terms are representative and subject to underwriting, appraisal and state availability. DSCR loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.

Questions

DSCR Loans in Georgia: FAQ

What credit score do I need for a DSCR loan in Georgia?

Most DSCR programs in Georgia start at 660–680. Higher scores get better rates and more leverage, and lower scores may qualify with less leverage.

What DSCR ratio do Georgia lenders want?

1.0 means the rent exactly covers principal, interest, taxes, insurance and HOA. 1.20–1.25 or higher gets the best pricing, and no-ratio programs are available when the rent doesn't cover the payment.

Can I use a DSCR loan for a short-term rental in Georgia?

Yes. Short-term rental DSCR loans use projected or actual short-term rental income. Check local Georgia city and HOA rules on short-term rentals before you buy.

Can I close a Georgia DSCR loan in an LLC?

Yes. LLC and corporate vesting is standard on DSCR loans, which are business-purpose loans on non-owner-occupied property.

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