Private DSCR Lender in Georgia
DSCR Loans in Georgia
Total Quality Lending finances real estate investors across Georgia with DSCR loans that qualify on the property’s rental cash flow — not your personal income. Up to 80% LTV, credit scores from 640, and loan amounts to $3.5M.
- Max LTV
- 80%
- Min credit score
- 640
- Loan amounts
- $100K–$3.5M
- Income docs
- None
Why investors choose DSCR loans in Georgia
A DSCR loan lets you scale a rental portfolio in Georgia without the income hurdles of conventional financing. Approval is based on whether the property pays for itself.
- Qualify on the property’s rental cash flow — no personal income, W-2s, or tax returns
- Up to 80% LTV on purchase at the top tier (740 FICO); higher scores unlock higher LTV
- Credit scores from 640 — cash-out available at 660+
- Loan amounts from $100,000 to $3,500,000
- Short-term rentals (Airbnb, VRBO, FlipKey) eligible up to 80% LTV on purchase
- First-time investors eligible (restrictions apply)
Georgia DSCR program at a glance
- Maximum LTV
- 80% (purchase)
- Minimum credit score
- 640
- Loan amounts
- $100K – $3.5M
- Occupancy
- Investment only
- Loan purposes
- Purchase, Rate/term refinance, Cash-out refinance
Available terms
- 15-, 30-, and 40-year fixed
- 5/6, 7/6 & 10/6 ARMs (30-year term)
- Interest-only options (680+ credit score)
Eligible property types
- Single-family (attached & detached)
- 2–4 unit properties
- Condominiums & condo-hotels
- Rural properties (up to 5 acres)
Georgia DSCR max LTV by credit score
Your maximum loan-to-value is set by your credit score, loan size, and the property’s debt-service coverage ratio (DSCR). These are the purchase tiers for a DSCR of 1.00 or higher.
| Credit score | Max purchase LTV | Notes |
|---|---|---|
| 740+ | 80% | to $2.5M · cash-out to 80% |
| 720 | 80% | to $1.5M · cash-out to 80% |
| 700 | 80% | to $1.5M · 70% to $3.5M |
| 660 | 75% | cash-out to 70% |
| 640 | 75% | to $1M · no cash-out |
Rate/term and cash-out LTVs are lower than purchase. Loans under $150,000 cap at 70% purchase / 65% refinance. Short-term rentals are eligible up to 80% LTV on purchase. Final terms are subject to full underwriting.
Short-term rental (Airbnb & VRBO) loans in Georgia
Running a short-term rental in Georgia? DSCR financing works for Airbnb, VRBO, and FlipKey properties too. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase — so your nightly cash flow can power your next acquisition.
Georgia DSCR loan FAQs
Can I get a DSCR loan in Georgia?
Yes. Total Quality Lending provides DSCR loans throughout Georgia for real estate investors. DSCR (Debt-Service Coverage Ratio) loans qualify on the property's rental cash flow rather than your personal income — no W-2s or tax returns required.
What credit score do I need for a DSCR loan in Georgia?
DSCR loans in Georgia are available with credit scores starting at 640. Higher scores unlock higher LTVs and larger loan amounts, and cash-out refinances require a minimum 660 score.
What is the maximum LTV for a DSCR loan in Georgia?
In Georgia, DSCR loans go up to 80% LTV. The 80% tier is reserved for strong files (700+ FICO on loans up to $1.5M, or 740 FICO up to $2.5M) with a DSCR of 1.00 or higher; lower scores, larger loans, or a DSCR below 1.00 reduce the maximum LTV. Cash-out refinances require a 660+ score.
Can I use short-term rental (Airbnb) income to qualify in Georgia?
Yes. Short-term rentals (Airbnb, VRBO, FlipKey) are eligible in Georgia. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase.
How much can I borrow with a DSCR loan in Georgia?
DSCR loan amounts in Georgia range from $100K to $3.5M, available for single-family, 2–4 unit, condominium, and eligible rural investment properties.
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