About DSCR Loans Georgia

What we do

We arrange DSCR financing for investors buying and refinancing rental property in Georgia. That means single-family rentals, townhomes, condominiums, 2–4 unit properties, short-term rentals, and portfolio or blanket structures where several properties are financed together. The common thread is that the property is an investment, nobody is moving in, and the loan is sized by what the property earns.

Practically, our work is three things. First, arithmetic: pulling the county’s tax figure for the parcel, modelling insurance and HOA dues, and calculating the coverage ratio a lender is going to calculate. Second, honesty: naming the weak point in the file — the rent opinion, the tax reassessment risk, the property condition, the entity paperwork — while there is still time to fix it. Third, shopping: sending the scenario to wholesale lenders whose policies actually fit it, and putting the real terms in front of you in writing.

What we do not do

• We do not lend money. We are a mortgage broker: we arrange and place financing with wholesale lenders.
• We do not publish or promise interest rates. The rate comes from the lender and moves with the market.
• We do not arrange loans on property the borrower intends to occupy, including a unit in a 2–4 unit building.
• We do not promise approval. Every file is subject to underwriting and to lender and investor approval.
• We do not claim to be attorneys, accountants or tax advisers, and we do not give legal or tax advice.

Why Georgia, specifically

Georgia rewards a specialist. County tax bills vary enough between neighbouring jurisdictions that the tax line can decide a coverage ratio on its own. Much of the suburban rental inventory sits inside mandatory associations with their own rules. Short-term rental licensing turns on the exact municipality. And the state’s non-judicial foreclosure process shapes how lenders price investor risk in the first place.

We work these details on every file, and we write about them in our guides and market pages — including the parts that make a deal harder rather than easier.

How we get paid

Broker compensation and third-party costs vary by transaction and by lender, and we disclose ours in writing before you commit to anything. Appraisal, title, attorney and recording charges are third-party costs paid to the providers who perform them. You should never be asked to pay a fee you have not seen disclosed in advance — if that happens with anyone in this business, walk away.

How to reach us

The fastest route is the scenario form: the address, the price or current balance, the expected rent and the entity that will hold title. That is enough for us to give you a real answer rather than a brochure.