DSCR loans in Georgia
Qualify on the property's rent, not your income. Up to 85% LTV for U.S. residents, 70% for foreign nationals.
Term sheet the same business day. Flipping? Fix-and-flip loans statewide.
Georgia rental markets at a glance
Typical home value and rent by metro, with the gross rent yield: a year of rent divided by the value.
Higher yield means less money down to reach a 0.8 DSCR, where the best pricing starts. Each link opens the DSCR calculator with that market's numbers.
| Metro | Typical home value | Typical rent | Gross yield | Down for best pricing | |
|---|---|---|---|---|---|
| Atlanta | $375,898 | $1,843/mo | 5.9% | 30% | Run the DSCR |
Metro-level typical values and rents, September 2026. The down payment column and the calculator link assume a 7.5% rate, a 30-year payment and $1,800 a year insurance. Change them to match your deal.
Georgia property taxes and your DSCR
Georgia's effective property tax rate is 0.79% of value a year (2024), ranked 25th.
Property is assessed at 40% of fair market value before the local millage rate is applied.
On a $375,898 rental, 0.79% is about $2,970 a year, or $247 a month added to the payment the rent has to cover.
The actual bill depends on the county and city. Use the property's real tax figure when you run the numbers.
What Georgia investors should know
Atlanta drives the market
Metro Atlanta is Georgia's main investor market and the only Georgia metro in Zillow's largest-60 data set. Typical values and rents are in the table above.
Source: Zillow Research ZHVI and ZORI (September 2026)Short-term rentals need a city license
Georgia has no statewide short-term rental rule. The City of Atlanta requires a short-term rental license, renewed every year.
Confirm the license before you count on Airbnb income.
Source: City of AtlantaSecurity deposits are capped
Since the Safe at Home Act (2024), a security deposit cannot exceed two months' rent, and it must be returned within 30 days with a list of any deductions.
Source: Georgia General Assembly, HB 404Foreclosure is mostly non-judicial
Georgia loans are usually secured by a deed to secure debt with a power of sale, so most foreclosures do not go through court. Lenders view that as lower risk.
Source: Georgia foreclosure procedure (summary)Georgia DSCR loan rates
Rates from 6.172%*, the same as nationwide. Rates move with the market, so the reliable number is a priced quote on your property.
Your DSCR, credit score, LTV, prepayment penalty and loan size move the rate most. In Georgia, the property tax bill above feeds straight into the DSCR.
This week's DSCR loan rates* This may be for the strongest files, sometimes with a buydown. Subject to underwriting. Terms as of November 2026.
Georgia DSCR loan requirements
- A Georgia rental, long-term or short-term, not a home you live in
- DSCR of 0.75 or higher, 0.8 or higher for the best pricing
- Up to 85% LTV on a purchase for U.S. residents, 70% for foreign nationals
- Rent from the current lease, or the appraiser's market rent
- No tax returns, W-2s or pay stubs
- Close in your name or an LLC
Loans for Georgia investors
- DSCR rental loans: up to 85% LTV purchase, 70% cash-out, 30-year fixed or interest-only
- Fix and flip (hard-money): up to 90% of purchase and 100% of rehab, capped at 75% of ARV
- Bridge loans: up to 70% LTV, 7-14 days to close
- Foreign nationals: every program, no SSN or U.S. credit, close in a U.S. LLC
Georgia DSCR loan questions
What are DSCR loan requirements in Georgia?
The same as nationwide. Best pricing at a DSCR of 0.8 or higher. Minimum 0.75 with a pricing adjustment.
Up to 85% LTV on a purchase for U.S. residents. Credit and reserves are priced in. No tax returns.
Are DSCR loans available outside Atlanta?
Yes, statewide, including Savannah, Augusta, Columbus and Macon. Rural properties may get lower leverage.
Can I finance an Atlanta Airbnb with a DSCR loan?
Yes, once the property has a city short-term rental license. Income qualifies on booking history or a market projection.
Are fix-and-flip loans available in Georgia?
Yes. Purchase and rehab in one loan, with draws released after inspection.
Sources
General information, not legal or tax advice. Loan terms are subject to underwriting.