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DSCR Rental Loans · Georgia

DSCR rental loans in Georgia — qualify on the rent.

Mortava DSCR loans in Georgia: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Georgia is a flip-and-hold favorite where Atlanta’s job growth and landlord-friendly laws support both DSCR and fix & flip. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Atlanta, Savannah, Augusta and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Georgia term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Georgia rentals with Mortava

DSCR loans let Georgia investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Atlanta, Savannah, Augusta, Columbus.

Atlanta’s job engine feeds both sides of the strategy: steady tenants for long-term holds and steady buyers for finished flips. Georgia’s landlord-friendly framework keeps operating risk lower than in comparable growth metros.

Top metros we lend in
Atlanta, Savannah, Augusta, Columbus
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

BRRRR in Georgia

Markets like Atlanta and Savannah are natural BRRRR territory: buy below market, renovate, rent, then refinance into a long-term DSCR loan at the new value. The DSCR cash-out refi (up to 80% CLTV) is the "refinance" step — our BRRRR method guide walks through the full cycle.

Guidelines reviewed July 2026 by the Mortava lending team.

Georgia DSCR loan FAQ

Can I get a DSCR loan in Georgia?
Yes. Mortava lends on investment properties across Georgia, including Atlanta, Savannah, Augusta, Columbus. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Georgia without W-2s or DTI.
What credit score do I need for a Georgia DSCR loan?
Most Georgia DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Georgia DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Georgia.
Do you lend on rentals in Atlanta and Savannah?
Yes — Mortava lends across Atlanta, Savannah, Augusta, Columbus and every other Georgia market. DSCR loans are sized on each property's rent, so a Atlanta duplex and a small-town single-family are underwritten the same way.
Can an out-of-state investor buy a Georgia rental with a DSCR loan?
Yes. Qualification is based on the property's rent in markets like Atlanta — not your personal income or where you live — so out-of-state investors close Georgia DSCR loans routinely.
DSCR rental loans by state
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All DSCR programs → Fix & Flip loans in Georgia → Instant quote & pre-qualify →
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