DSCR Financing in GA

DSCR Loans in Georgia

Atlanta is one of the three biggest DSCR markets in America, deep SFR inventory, active BRRRR scene, and non-judicial foreclosure that investors love.

Local Market Context

Investor Markets in Georgia

Atlanta

One of the top three DSCR markets in the country, deep SFR inventory, active BRRRR community, and strong appreciation.

Savannah

Historic-district STRs and tourism-driven rental demand on the coast.

Augusta

Fort Eisenhower military tenants and Masters-week STR premium.

Columbus

Fort Moore military rentals and affordable SFR cash flow.

Athens

University of Georgia student housing and steady appreciation.

Common Properties

What Investors Finance in Georgia

✓Atlanta-metro SFR BRRRR inventory
✓South metro Class C cash-flow rentals
✓North metro appreciation SFRs
✓Savannah historic-district STRs
✓Augusta military-tenant SFRs
✓Section 8 portfolios across metro Atlanta

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Georgia

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

80% cash-out can be available in Georgia. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.

Georgia DSCR FAQ

Does Get Brick Capital offer DSCR loans in Georgia?

Yes. Georgia is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Georgia?

Yes. Program 7 can be available in Georgia for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Georgia DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

Get a Quote →