What is the minimum credit score?

680 FICO, with exceptions considered down to 660.

Do Georgia DSCR loans require income verification?

No. Approval is based on the property's rent and your credit, with no tax returns or W-2s.

What LTV is available?

Up to 80% on purchases and rate-and-term refinances, and up to 75% on cash-out.

Are short-term rentals eligible in Georgia?

Yes, subject to city rules and any HOA covenants.

What property types qualify?

Single-family and 2–10 unit residential rentals worth at least $100,000.

Can I refinance several Atlanta rentals?

Yes. Ask about our rental portfolio loans for multiple properties.

What prepayment options do you offer?

Zero-penalty, 3-2-1 and 5-4-3-2-1 declining structures.

Georgia Rental Property LoansDSCR

Georgia DSCR Loans for Rental Investors

Metro Atlanta has long been one of the country's leading single-family rental markets. Finance Georgia rentals on their cash flow with a 30-year fixed loan and no personal income documentation.

Get Funded in GA Call 1-800-674-3804

Hover or tap a pin to explore markets

80%

Max LTV on purchase

30-YR

Fixed rate, no call

680+

FICO score

Metros featured

Local Markets

Georgia Rental Markets

Where Georgia buy-and-hold investors are adding doors.

Metro Atlanta suburbs

Single-family rental demand across fast-growing suburban counties.

Gwinnett
Henry County
Douglasville
Kennesaw

Savannah

Port and logistics growth supporting workforce rentals.

Pooler
Richmond Hill
Rincon

Augusta

Healthcare and military employment drive steady tenant demand.

Grovetown
Martinez
Evans

Middle & South Georgia

Affordable rentals in smaller cities.

Macon
Warner Robins
Albany
Valdosta

Available in Georgia

Georgia Rental Financing

Long-term debt for Georgia rentals.

DSCR Loans

30-year fixed, no call, up to 80% LTV on purchases.

Cash-Out Refinance

Refinance Atlanta rentals and pull up to 75% LTV.

Rental Portfolio Loans

One lending partner as your Georgia portfolio grows.

Hard Money Loans

Need to renovate first? Start with Georgia hard money.

Local Insight

Holding Rentals in Georgia

Georgia's large single-family rental market means plenty of comparable rents for underwriting. Use realistic market rent, current property taxes and an insurance quote to estimate your DSCR before you offer.

Closings in Georgia are attorney-led, and many investors hold rentals in an LLC. Both individuals and entities are eligible on our program.

General information only, not legal advice. Confirm local rules with your closing attorney or title company.

Comparable rents

Strong rental data helps support your DSCR.

HOA communities

Some subdivisions restrict leasing; check covenants first.

LLCs welcome

Close in your name or your entity's.

Your Route to Closing

How We Fund Georgia Deals

1
Send the rental
Address, price or value, lease or market rent.
2
Quote in 24 hours
Rate and leverage based on credit and DSCR.
3
Short application
One page, plus lease, insurance and bank statements.
4
Attorney closing
Close through your Georgia closing attorney.

FAQ

Frequently Asked Questions

Still have a question?

Talk to our team about your property and timeline.

1-800-674-3804

Yes, across metro Atlanta and statewide in Georgia.

More Areas We Serve

Investing in More Than One Market?

Talk With HWC

Have a property under contract or a project you are evaluating? Tell us where things stand and what financing questions you need to resolve.

Find Out If You Prequalify Call 1-800-674-3804