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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Georgia DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 6.25%

Rental property financing for Georgia investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Atlanta, Savannah, Augusta, Athens and the rest of Georgia. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • 680+ FICO
  • Refi from 6.25%
  • 21–30 day close
See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Georgia?

Yes. DSCR loans in Georgia qualify investors based on property cash flow with a 1.2 DSCR minimum, 680+ FICO, and 20–25% down. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Refi rates start at 6.25%.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated July 1, 2026.

Georgia Rental Market Snapshot

State-level data DSCR underwriters use to size Georgia rental deals.

Median Home Price
$345K
Statewide single-family
Gross Rental Yield
6.0–8.0%
Annual rent / price
Eviction Timeline
30–45 days
landlord-friendly
Rate Adjustment
neutral
vs national baseline

Georgia, and Atlanta in particular, is one of the most-funded SFR-rental markets in the country. Non-judicial foreclosure plus no rent control plus strong in-migration produce reliable DSCR coverage. Atlanta's Westside, South Fulton, and Gwinnett submarkets see the highest deal flow. Investors should note Athens and Savannah have local STR registration regimes, verify before relying on nightly-rate income.

Major Georgia Markets We Serve

Active DSCR deal flow across Georgia's core rental markets. Same requirements (1.2 DSCR, 680+ FICO, 20–25% down) apply statewide.

MetroMedian PriceGross YieldDSCR Investor Notes
Atlanta$385K5.5–7.0%Largest DSCR market in the Southeast, institutional SFR competition, deep deal flow
Savannah$345K5.5–7.5%Historic-district STR market, downtown registration cap limits new STR supply
Augusta$215K8.0–10.0%Highest gross yields in GA, military rental demand from Fort Eisenhower
Athens$305K6.5–8.0%UGA student housing, verify lease cycles align with DSCR underwriting
Georgia investor note:Georgia is non-judicial for power-of-sale foreclosures and has no statewide rent control, one of the fastest landlord-remedy states in the South.

Georgia Eviction Timeline & Landlord Posture

How Georgia courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
landlord-friendly
Typical Timeline
30–45 days
Rent Control
None / preempted

Georgia's dispossessory action allows eviction filings 7 days after a written demand. Non-payment hearings typically scheduled 7–14 days after answer. Atlanta tribunal calendar moves faster than most metros.

Georgia Rate Adjustment vs National Baseline

neutralover national baseline pricing

Non-judicial foreclosure and no rent control keep loss severity below national average; Atlanta MSA pricing tracks national jumbo curves.

Final pricing depends on FICO, LTV, DSCR, property type, and program. Baseline national DSCR refi rates start at 6.25% as of July 1, 2026.

DSCR Lenders Active in Georgia

The non-bank DSCR programs we see most frequently funding Georgia rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Kiavi
  • Visio Lending
  • Lima One
  • RCN Capital

PeerSense is independent, not a lender. Lenders listed are programs we have funded Georgia deals through; specific terms vary by file.

Georgia DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ allowed with 740 FICO or 30% down
Credit Score680 FICO640–679 by exception, lower LTV
Down Payment20–25%25% if <1.2 DSCR or <700 FICO
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Get Georgia DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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