DSCR Rental Loans in Georgia

SixtyFour West Capital is a commercial loan placement desk based in Cartersville, Georgia. We place DSCR rental loans for investors buying or refinancing rental property anywhere in the state — Atlanta and its suburbs, Savannah, Augusta, Columbus, Macon, Athens, and the smaller markets in between — and in the rest of the country.

A DSCR loan qualifies the property, not your personal income. The lender compares the rent the property brings in (or the market rent an appraiser assigns on a 1007 rent schedule) against the proposed mortgage payment. No tax returns, no W-2s, no debt-to-income calculation.

Who this fits in Georgia

• Investors who already own several rentals and want to keep buying — a growing financed-property count is normal on a DSCR file, not a problem.
• Self-employed buyers whose tax returns understate what they earn.
• Buyers who hold title in a Georgia LLC or other entity. Closing in the entity is standard; a personal guarantee is still typical.
• Short-term rental operators (Airbnb/VRBO) in markets such as Savannah, the North Georgia mountains, and Lake Lanier, where lenders will consider projected short-term income with the right documentation.

What the lender still checks

Credit, the cash you have left after closing (reserves), landlord experience, and whether the rent holds up on the appraisal. The ratio that drives the decision is rent ÷ PITIA (principal, interest, taxes, insurance, association dues). A ratio of 1.0 means the rent exactly covers the payment; some programs go below 1.0 with reduced leverage.

The questions Georgia investors ask us most

Do you really not need my tax returns? Correct. The file is underwritten on the property's cash flow, your credit, and your reserves.

I already own four rentals. Does that disqualify me? No. Most DSCR programs are built for portfolio growth. Tell us how many are financed so the deal is placed with a lender whose property-count rules fit.

Can I buy in my LLC? Yes. Have the operating agreement and EIN letter ready.

How much rent does the property need? Enough to cover the payment with a cushion. We will show you the ratio before you commit to the purchase.

What about fees and the prepayment penalty? Every term sheet we issue lists lender fees and the prepayment structure line by line. Nothing is hidden until closing.

How fast is this? Send the property address, expected rent, purchase price or value, and your approximate credit — you will have a term sheet, a yes or a no, within 24 hours.

How to start

1. Send the deal through the DSCR rental loan page or the term-sheet screener.
2. We place it with lenders whose rules it fits and answer with a term sheet — a yes or a no — within 24 hours.
3. Appraisal with rent schedule, underwriting, closing in your name or your entity.

SixtyFour West Capital places your deal with lenders whose rules it fits. We work in Georgia and in nearly every other state (not North Dakota; limited in California and New York). Call 678-656-2816 or email dave@sixtyfourwest.com.

Related: Fix & flip loans in Georgia · SBA loans in Georgia · Short-term rental loans · Rental portfolio loans