DSCR Loans · Fulton County, GA
DSCR Loans
Qualify With the Property. Not Your Paycheck.
Atlanta remains one of the most active single-family rental markets in the country, drawing both local and out-of-state investors to Fulton County. DSCR loans qualify the deal on the property's rent, not the investor's W-2.
$3M
Max Loan Amount
0.80
DSCR Options From
85%
Max LTV
0
Personal Income Docs
The Guidelines
Built to grow a portfolio, not paper-chase a bank
Conventional investment property loans still want your personal tax returns and debt-to-income ratio. DSCR loans ask a different question: does this property pay for itself?
Property Qualifies, Not You
Underwriting is based on the property's rental income relative to its debt, not your personal income.
No Tax Returns or W-2s
Personal income and employment are not used to qualify the loan.
Loans up to $3,000,000
On 1-4 unit investment properties.
Purchase, Refinance & Cash-Out
Rate-and-term and cash-out refinance both available.
Short-Term Rental Income Counts
Airbnb and VRBO income can be used to qualify, not just long-term leases.
Section 8 Income Eligible
Documented housing authority rental income counts in eligible states.
DSCR as Low as 0.80 Considered
Options exist even when the property does not fully cover its own payment.
Up to 85% LTV
At the strongest credit and DSCR tiers.
Investment Property Only
Business-purpose loans — not for a primary residence or second home.
How It Works
Four steps. The property does the talking.
01
Tell Us About the Property
Share the purchase price or current value, and the property's actual or projected monthly rent.
02
We Calculate Your DSCR
Gross rental income divided by the proposed payment. We shop that number across multiple DSCR lending partners to find your best fit.
03
Get Your Pre-Qualification
No personal income documentation required — pre-qualification is based on the property and your credit profile.
04
Close and Keep Growing
Fixed and adjustable-rate options available, with no limit on the number of financed properties tied to your personal DTI.
DSCR Calculator
See what your property qualifies for
Enter the property's value and rent — we'll calculate your actual DSCR and find the best-qualifying loan amount across our DSCR lending partners automatically.
Actual lease amount, or market rent from a rent schedule / AirDNA report for short-term rentals.
If rent alone falls just short, eligible liquid assets can sometimes supplement it to qualify (680+ FICO, experienced investors, loans up to $2M).
Purchase Estimate
Your Calculated DSCR
0.00
Qualifying LTV
0%
Estimated Down Payment
$0
Estimated Cash Available
$0
Loan Amount
$0
Estimated Monthly Payment (PITI)
$0
Reserves Likely Required
$0 (0 months)
Estimate only. Assumes property taxes and insurance at 1.5% of value annually. Actual DSCR, LTV, and pricing are determined by full underwriting. Not a commitment to lend.
Frequently Asked Questions
Straight answers for investors
What is a DSCR loan? +
A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property based on the rental income it generates relative to its mortgage payment, rather than the borrower's personal income.
Do I need to show my personal income or tax returns? +
No. Personal income, employment, and tax returns are not used to qualify a DSCR loan. Qualification is based on the property's rental income, your credit profile, and the loan-to-value ratio.
How is DSCR calculated? +
DSCR equals the property's gross monthly rental income divided by its proposed monthly payment (principal, interest, taxes, and insurance). A DSCR of 1.00 means the rent exactly covers the payment.
Can I use Airbnb or short-term rental income to qualify? +
Yes. Short-term rental income from platforms like Airbnb or VRBO can be used to qualify, documented through market rent analysis, rental history, or platforms such as AirDNA.
What if my DSCR is below 1.00? +
Loan options still exist when a property's rent doesn't fully cover its payment, typically at a lower loan-to-value ratio and higher credit score requirement.
What is the maximum loan amount? +
Loan amounts up to $3,000,000 are available depending on the specific program and qualifying factors.
Can I use a DSCR loan for my primary residence? +
No. DSCR loans are business-purpose loans for investment properties only, and are not available for a primary residence or second home.
What credit score do I need? +
Minimum credit scores start as low as 620, though stronger credit unlocks higher loan-to-value ratios and better terms.
Do you offer cash-out refinancing? +
Yes. Cash-out refinancing is available on qualifying investment properties in addition to purchase and rate-and-term refinance options.
Ready to Grow Your Portfolio?
Let the property make the case. We'll handle the rest.
Melvin Kelly, President · NMLS #978991
Or Request a Call Back
Tell us about the property and we'll reach out — usually the same business day.
Thank you.
Your request has been received — we'll be in touch shortly.