Lender & broker · Fetti Financial Services LLC · NMLS #2267023
DSCR Loans in Georgia
DSCR (Debt-Service-Coverage-Ratio) loans let real estate investors in Georgia qualify based on a property's rental income instead of personal income, W-2s, or tax returns. If the rent covers the payment, you can qualify — and you can close in an LLC to keep deals off your personal credit. It's the workhorse loan for building a rental portfolio.
See what you qualify for in Georgia
2 minutes · no credit impact · a specialist follows up fast.
Why borrowers in Georgia choose Fetti for dscr loans
What you'll need
- •Subject property's rent or market-rent estimate (Form 1007)
- •Credit score (typically 660+)
- •Down payment / equity (often 20–25%)
- •The property address in Georgia
How it works
- Tell us about your deal. 2 minutes, no credit impact.
- We match you to the right dscr loans structure for Georgia.
- A specialist reaches out fast with your options.
- Close and fund your deal.
DSCR Loans in Georgia — FAQ
What DSCR do I need to qualify in Georgia?
Most programs want a ratio of 1.0–1.25 (rent covers the payment). Some allow sub-1.0 with a larger down payment. We'll quote your exact deal in minutes.
Do DSCR loans check my personal income?
No. DSCR loans qualify on the property's cash flow, not your personal income or tax returns — which is why investors and self-employed buyers love them.
Can I close a DSCR loan in Georgia in an LLC?
Yes — closing in an LLC is standard for DSCR and keeps the financing off your personal credit. We set it up correctly so it doesn't slow your close.
No impact to your credit to get started.