What Are DSCR Loans?
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors to qualify based on property cash flow rather than personal income. This makes them ideal for growing your rental property portfolio in Georgia.
Get up to 80% LTV using projected rental income.
DSCR Loan Georgia Requirements
Flexible loan terms to help you remain competitive in Georgia’s real estate market:
| Minimum Credit Score | 680+ |
| Minimum Loan Amount | $100,000+ |
| Purchase/Refinance | Up to 80% LTV |
| Cash Out Refinance | Up to 75% LTV |
| Interest Rates | Starting at 7% |
| Minimum DSCR | 1.1 |
| Closing Time | 21-30 days |
See How Much You Qualify For
Frequently Asked Questions
Get quick answers to common questions.
What types of properties qualify for DSCR loans?
DSCR loans can be used for 1-4 unit residential properties, including single-family homes, townhouses, condos, duplexes, triplexes, and quadplexes.
What’s the minimum credit score?
A minimum credit score of 680 is required.
What’s the minimum loan amount?
The minimum loan amount is $100,000.
Do you work with first-time investors?
Yes, new investors are welcome.
What’s the minimum down payment?
The minimum down payment is 20%.
Is there a minimum DSCR required?
The minimum DSCR requirement is 1.1.
How do you calculate DSCR?
Divide rental income by the sum of property taxes, insurance, principal and interest payments or you can use our DSCR calculator.
What documents are required?
A legally registered business is required, along with these documents:
- Driver’s License or State ID
- Articles of Organization
- LLC Operating Agreement
- EIN Letter
Get Pre-Approval Today
- See how much you qualify for
- Secure up to 80% financing
- No application fee
Capital Ton helps investors secure financing for non-owner-occupied properties. Let us help you build your portfolio with tailored DSCR loan options.
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Why Choose Capital Ton for DSCR Loans?
No Personal Income Required.
Skip the hassle of tax returns and W-2s. Qualify based on rental income instead.
Competitive Rates
Competitive interest rates that maximize your investment returns.
Fast and Reliable.
Close in as little as 21-30 days.
Flexible Loan Terms.
Choose from 30-year fixed rates, 5/1 or 7/1 ARMs, and interest-only options.
DSCR Loans Georgia Services Areas
Georgia offers an ideal mix of affordability and profitability for real estate investors. Cities like Atlanta, Augusta, and Columbus, GA have strong rental demand and great cash flow opportunities. While “the Peach State” has many great areas, Capital Ton expertise is in these markets:
- Atlanta
- Augusta
- Columbus
- Macon
- Savannah
- Athens
- South Fulton
- Sandy Springs
- Roswell
- Warner Robins
- Johns Creek
- Alpharetta
- Albany
- Marietta
- Stonecrest
- Brookhaven
- Smyrna
- Valdosta
- Dunwoody
- Gainesville
- Newnan
- Peachtree Corners
- Mableton
- Milton
- Peachtree City
- Douglasville
- Woodstock
- East Point
- Rome
- Evans
Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 24 states, offering tailored financing solutions for fix and flips and rental properties. Capital Ton delivers flexible loan options with competitive rates and maintains a commitment to transparency and integrity.