Georgia DSCR Loans. Qualify on Rents, Not Tax Returns.

No. DSCR loans qualify on the property's rental income, not your personal income or tax returns. We run the DSCR ratio (rent divided by PITIA) on your specific deal and match it to the right lender. This is why DSCR works for self-employed, LLC-held, and depreciation-heavy investors who get squeezed by conventional underwriting.

It is the issue we talk through on the first call. Short-term rental rules vary by city and county in Georgia. Atlanta requires a short-term rental license and restricts it largely to a host's primary residence, which is a problem for a pure investment STR. Savannah, Blue Ridge, and other tourist markets have their own permit zones and caps. You confirm the local rule with the city or county before you write an offer. Once the property is permit-eligible, we match your file to an STR-friendly lender that accepts AirDNA-based income, typically at a 75% factor.

Often yes, but condo financing comes down to whether the building is warrantable. A building can be non-warrantable for reasons like low owner-occupancy, pending litigation, thin reserves, or a high concentration of investor-owned units. The lender determines warrantability from the condo questionnaire and budget. We flag the buildings that tend to be a problem before you go under contract, and we know which lenders in our network fund non-warrantable condos under DSCR or Non-QM.

Nothing to check your eligibility and nothing to talk your deal through with us. From the lender side, Georgia DSCR loans typically run 1-2 points origination plus standard third-party costs such as appraisal, title, and the Georgia intangible recording tax. We walk you through the full breakdown after we see your scenario, before anything goes to underwriting. No application fee and no junk fees.

Yes. Most DSCR programs in our network are LLC-friendly and many prefer the property to vest in an entity. Single-member LLC, multi-member LLC, or holding company structures are all standard on DSCR. A personal guarantee may apply depending on the program. We walk through the entity structure on the call so the vesting is clean before you go under contract.

Most DSCR programs in our network require 660 or higher, with the strongest terms at 700 and up. Some Foreign National and Bridge-to-DSCR programs accept lower. We run your scenario across multiple programs and match you to the right one. Checking your eligibility does not pull your credit. Any credit check is run later, only after you submit a formal application and give consent.

Often, yes. This is where a specialist with a 70+ lender network beats a single-lender broker. Declines usually trace back to one issue: the condo turned out to be non-warrantable, the short-term rental zoning did not permit the use, or the lender's overlay simply did not fit your scenario. We talk through what actually killed the deal, address the underwriting issue, and route the file to a lender whose program fits. We close deals every month that someone else already declined.