Georgia DSCR Loans for STR Financing
Grow Your Portfolio with DSCR Loans
Whether you're purchasing STRs in Savannah, rental homes in Atlanta, or duplexes in Augusta, our DSCR loans
provide Georgia investors with the flexibility and competitive rates needed to expand. Instead of relying on personal W-2s or credit scores, we assess the property's rental income and ability to cover its debt service. DSCR loans make scaling your real estate portfolio simpler and faster.
How to qualify
To obtain a quote, we will need the following information:
Property Value and
Purchase Price
Down Payment
Amount
Credit Score
Asset Types
- Single Family Homes
- Townhomes
- Condos
- 2 - 4 Units (Duplex, Triplex, Quadplex)
- Multi-Family: 5 - 8 Units
- Mixed-Use: 2 - 8 Units
- Multi-Family: 9+ Unit
Loan Terms
- Loan Sizes:
$100k up to $3.5 Million (Larger loan sizes available on a case by case basis)
- Purchase LTV:
Up to 85%
- Rate & Term Refinance LTV:
Up to 80%
- Cash Out Refinance LTV:
Up to 80%
- Amortization:
30 Year % 40 Year Amortization Options Available
- Term Lengths:
5/6 ARMs, 7/6 ARMs, 10 Year Interest Only, 30 Year Fixed & 40 Year Fixed
- Floor Rate:
5.50% (subject to change daily due to market volatility)
- Full Recourse
with personal guarantee required for all borrowers with majority ownership (typically 20%+ or 25%+ if closing in an Entity)
- DSCR Requirement: 1.00x or greater depending on loan size and property type. Sub-1.00x DSCR and NO DSCR options available.
- Vesting:
Lending to Individuals, LLCs, and Corporations. Trusts Allowable on a Case by Case Basis.
- Average Time to Close:
14 to 35 days
Wondering if you qualify for investment property financing in your area?
We offer lending services in all 50 states!
Frequently Asked Questions
What is a DSCR loan and how does it work for Georgia real estate investors?
A DSCR loan (Debt Service Coverage Ratio loan) enables real estate investors to qualify for financing based on property income, not their W-2s, tax returns, or DTI. The loan is approved when the property can cover its debt service, which includes the mortgage, taxes, and insurance. This approach is ideal for self-employed borrowers or those building portfolios through LLCs. Georgia investors targeting hot markets like Atlanta, Savannah, and Augusta use DSCR loans to grow faster—especially when conventional lenders would require more documentation or impose property limits.
How is DSCR calculated in a typical loan scenario for Georgia investors?
In Georgia, DSCR is calculated by dividing a property’s net operating income (NOI) by its total annual debt service, including principal, interest, taxes, and insurance. For example, if your Georgia rental earns $120,000 in NOI and the annual debt obligations are $100,000, the DSCR would be 1.20. This means the property produces 20% more than it costs to finance, which improves approval odds. Most Georgia lenders require a DSCR of at least 1.00, but higher ratios—especially in markets like Atlanta, Savannah, or Augusta—can lead to better rates and lower reserve requirements. DSCR is a critical tool for assessing deal viability in Georgia’s fast-moving investment market.
What is considered a good DSCR ratio when applying for financing?
For Georgia investors, a good DSCR ratio is typically 1.20 or higher. While the baseline for approval is often 1.00, a stronger DSCR gives lenders confidence that your rental income comfortably covers the property’s debt obligations. A 1.20 DSCR in Georgia can help you qualify for better interest rates and lower cash reserve requirements. Whether you're investing in Atlanta, Savannah, or Augusta, knowing what counts as a good DSCR helps you evaluate risk, plan your finances, and present a stronger case to lenders in Georgia’s competitive market.
Can I qualify for a DSCR loan if my personal income is limited?
Yes, you can qualify for a DSCR loan even if your personal income is limited. DSCR loans, often referred to as Airbnb loans when used for short-term rental properties, are designed to approve borrowers based on the income the property generates—not personal W-2s, tax returns, or debt-to-income ratios. Lenders calculate the property's debt service coverage ratio to determine if the income is sufficient to support the loan. As long as the DSCR meets the required threshold—usually 1.00 or higher—you can often be approved regardless of personal income. This makes Airbnb loans ideal for self-employed investors, business owners, or anyone scaling a rental portfolio without relying on traditional underwriting standards.
How does a lender evaluate rental income when approving a DSCR loan?
In Georgia, DSCR loan approval is based on the property’s income rather than the borrower’s financial history. Georgia lenders typically review lease agreements, market rent analyses, or short-term rental income to determine net operating income. That figure is divided by the property’s annual loan payments to calculate the DSCR. If the ratio meets or exceeds 1.00, Georgia investors may qualify—even without tax returns or W-2s. DSCR loans in Georgia give self-employed borrowers and portfolio builders more flexibility. Understanding how rental income is evaluated in Georgia is essential for securing financing based solely on asset performance.
What’s the minimum debt service coverage ratio required for approval?
In Georgia, most lenders require a minimum DSCR of 1.00 to qualify for a DSCR loan. This ensures the property’s rental income fully covers its annual debt obligations. While some Georgia lenders may allow DSCRs as low as 0.75 in select cases, these typically require strong compensating factors such as high reserves or equity. A DSCR of 1.20 or above is considered strong in Georgia, especially in competitive markets like Atlanta, Savannah, or Augusta. DSCR loans in Georgia are popular among self-employed investors due to their flexibility. Understanding the DSCR minimum in Georgia helps borrowers structure deals that not only meet approval standards but also lead to better rates and smoother underwriting.
Who should consider using a DSCR instead of a traditional loan?
These loans are perfect for self-employed individuals, LLCs, and investors managing multiple properties. In Georgia, DSCR loans offer a flexible way to qualify based on rental income instead of personal tax documents. From Atlanta to Savannah, Georgia borrowers use this financing option to scale quickly, especially in STR-heavy markets. DSCR loans in Georgia are ideal for those who want minimal documentation and asset-based approvals.
