Georgia DSCR Loans
EasyRent is our tailored and industry-leading DSCR Loan solution for Georgia real estate investors. Whether you are acquiring property to expand your portfolio or cashing out your capital in a refinance, we have a loan for you. Our DSCR Lending Program has solutions for anyone – from first-time investors to industry veterans looking to rapidly scale their portfolios. We are confident we can find you a great Georgia DSCR loan in a quick, efficient and easy process. Click the button below and get started today!
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What is a DSCR Loan?
A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower’s income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio. DSCR Loans require none of these! Perfect for real estate investors ready to scale (no more W2!) or are looking leave behind the hassle, paperwork and headaches of conventional financing, DSCR Loans are quickly becoming the go-to loan option for real estate investors.
For a comprehensive definition, “DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”
DSCR Loan Definition Breakdown
- Mortgage Loans = form of loan that is secured by collateral, collateral = real estate
- Residential Real Estate = properties used for people to live in vs. commercial, which is used to operate businesses (offices, retail, industrial, hotel, self-storage, etc.). In real estate finance, residential also typically refers to “1-4 unit” properties, anything more would be considered “multifamily”
- Business Purpose = DSCR loans strictly do not allow the owner of the property to live in the property, it must be used for “business” or investment purposes. Includes use of “cash-out proceeds”
- Underwritten = How lender evaluates (and then prices) the risk of the loan
- Primarily Based on Property = Mostly based on property, but also look at sponsor
- Turnkey = property doesn’t require any renovation, “turn the key and go”
Looking to get a deeper understanding of all things DSCR? Check out our DSCR Loans Guide below!
Georgia Recent DSCR Fundings
Real Investments. Real Results.
Real estate investors in the Peach State are turning to DSCR Loans as a strategic tool to expand and manage their investment property portfolios. DSCR loans allow investors to secure financing based on the property's ability to generate income (rather than an investor's individual credit profile). In a market like Georgia, where real estate prices have shown steady growth and rental demand remains steady, DSCR loans offer investors a flexible and effective means to acquire new properties, improve existing ones, or refinance their assets. Easy Street Capital is proud to be a leading provider of DSCR loans for Georgia real estate investors looking to build rental portfolios! Check out our most recently funded DSCR loans in Georgia below:
Single-Family Residence
Jonesboro, GA
$162,400 Georgia DSCR Rental Loan for an Acquisition of a rental property in Jonesboro. This single-floor home is located in a suburban neighborhood that is less than a mile south of Interstate 75 and a quick drive to the town’s center. Upon acquisition, the property will be utilized as a long-term rental.
Duplex
Lagrange, GA
$185,250 Georgia DSCR Rental Loan for a Cash-Out Refinance of a rental property in Lagrange. This duplex is located in a medium-sized community southwest of Atlanta and features recent updates to the kitchen and bathrooms.
Single-Family Residence
East Point, GA
$505,000 Georgia DSCR Rental Loan for a Rate-Term Refinance of a rental property in East Point. This property has undergone recent renovations and features an attached one-car garage as well as a detached two-car garage. Situated in a suburban neighborhood, the residence benefits from its proximity to the city’s amenities, job opportunities, and cultural attractions.
Single-Family Residence
Savannah, GA
$654,500 Georgia DSCR Rental Loan for an Acquisition of a rental property in Savannah. This short-term rental is located in a luxurious neighborhood and features a spacious balcony overlooking a paved patio, a grand family room on the bottom floor, and covered porches on both sides of the house.
Single-Family Residence
Pooler, GA
$344,000 Georgia DSCR Rental Loan for a Rate-Term Refinance of a rental property in Pooler. This short-term rental has undergone recent extensive renovations that include new flooring, windows, an additional room, and fresh paint, among others.
Single-Family Residence
Saint Simons Island, GA
$767,400 Georgia DSCR Rental Loan for a Cash-Out Refinance of a rental property in Saint Simons Island. Recent renovations on this property include, but are not limited to, new roofing, interior and exterior painting, an in-ground pool, and new flooring throughout.
Single-Family Residence
Atlanta, GA
$532,000 Georgia DSCR Rental Loan for a Cash-Out Refinance of a rental property in Atlanta. This short-term rental is located north of Downtown Atlanta, situated within proximity to all necessary schools, retail amenities, healthcare facilities, and employment opportunities.
Cash-Out Refinance
Atlanta, GA
$1,474,200 Georgia DSCR Rental Loan for a Cash-Out Refinance of a rental property in Atlanta. This property is STR heaven, featuring a recreational room, movie theater, and built-in bar. If your more outdoorsy check out this STR’s Goat House and Chicken Coop!
PUD
Hiram, GA
$294,750 Georgia DSCR Rental Loan for an Acquisition of a rental property in Hiram. Hiram, Georgia is approximately thirty minutes from Atlanta, Georgia. The home benefits from all the employment, recreational, and healthcare opportunities that come with a large city like Atlanta, and the pleasures of quiet a suburban neighborhood.
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