DSCR Loans in Barrow County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 55 lenders made 164 investment-property loans in Barrow County, 0.8% of Georgia's total. Dominick Prevete arranges DSCR loans across Barrow County, Georgia, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $320,000.
Barrow County investor market at a glance
| Statistic | Barrow County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 164 | 21,364 | 29th of 43 |
| Reporting lenders | 55 | 586 | 32nd of 43 |
| Loan volume | $42.1M | $5.33B | 25th of 43 |
| Average loan | $257K | $249K | 16th of 43 |
| Median loan | $245K | $205K | 11th of 43 |
| Purchases | 81.1% | 57.3% | 1st of 43 |
| Cash-out refinances | 11.0% | 17.5% | 36th of 43 |
| 2–4 unit properties | 6.7% | 10.0% | 25th of 43 |
| Top five lenders' share | 44.5% | 18.5% | 12th of 43 |
| Reported business-purpose | 48.8% | 65.7% | 38th of 43 |
Barrow County: closed-end loans on 1–4 unit investment properties. Barrow County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Barrow County's investor loans.
What stands out in Barrow County
81.1% of Barrow County's investor loans were purchases, the highest share of Georgia's 43 counties with published data (statewide: 57.3%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
48.8% of Barrow County's investor loans were reported as business-purpose, the 6th-lowest share of Georgia's 43 counties with published data (statewide: 65.7%).
Fewer investor loans here were reported as business-purpose than in most of Georgia. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
11.0% of Barrow County's investor loans were cash-out refinances, the 8th-lowest share of Georgia's 43 counties with published data (statewide: 17.5%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Barrow County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Barrow County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Barrow County's median home value is $294,700; at that price the payment is $1,923 a month, so the property would need $1,925 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,762 / $2,099 / $2,493 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $294,700 |
| Median property taxes and effective rate | $2,307 (0.78% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,923 |
| Rent needed to cover that payment | $1,925 |
| Coverage of a 3-bedroom at fair market rent | 1.09 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Barrow County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Barrow County?
The most active investment-property lenders in Barrow County in 2025 HMDA data were LENNAR MORTGAGE, LLC; First Option Mortgage, LLC; and DHI MORTGAGE COMPANY, LTD., out of 55 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Barrow County, and matches each file to the one most likely to fund it.
Barrow County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 164 loans and $42.1M from 55 lenders. LENNAR MORTGAGE, LLC led Barrow County with 42 loans, 25.6% of the county's total, and the average Barrow County loan of $257K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 42 | $9.9M | $237K | 100.0% |
| First Option Mortgage, LLC | 10 | $2.3M | $234K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 7 | $2.2M | $321K | 100.0% |
| UNION HOME MORTGAGE CORP. | 7 | $1.5M | $216K | 0.0% |
| Kiavi Funding, Inc. | 7 | $1.5M | $209K | 71.4% |
| First American Bank and Trust Company | 5 | $2.1M | $425K | 60.0% |
| THE LOAN STORE, INC. | 5 | $1.2M | $233K | 80.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $1.1M | $263K | 75.0% |
| TRAILBLAZER MORTGAGE L.L.C. | 4 | $1.0M | $255K | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | $0.8M | $213K | 100.0% |
| ALAMEDA MORTGAGE CORPORATION | 4 | $0.6M | $160K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $2.2M | $745K | 66.7% |
| The Commercial Bank | 3 | $0.8M | $255K | 100.0% |
| NexBank | 3 | $0.7M | $228K | 100.0% |
| SUMMIT FUNDING, INC. | 3 | $0.6M | $188K | 100.0% |
| GUILD MORTGAGE COMPANY | 2 | $1.0M | $495K | 50.0% |
| Loan Funder LLC | 2 | $0.8M | $395K | 0.0% |
| Broker Solutions, Inc. | 2 | $0.6M | $305K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.6M | $275K | 50.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.5M | $260K | 50.0% |
| Loandepot.Com, LLC | 2 | $0.5M | $255K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | $0.5M | $250K | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | $0.5M | $240K | 0.0% |
| A&D Mortgage LLC | 2 | $0.5M | $235K | 50.0% |
| OCMBC, INC. | 2 | $0.4M | $220K | 50.0% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Barrow County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Barrow County CSV, all 25 lenders
What Barrow County's table can't show you: fit. Short-term financing is exempt from HMDA, so Barrow County's fix-and-flip and bridge lenders barely appear among its 55 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Barrow County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Barrow County, Georgia property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Barrow County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 55 lenders and 164 loans: 2025 HMDA loan-level data rolled up to Barrow County.
- Barrow County investor-lender dataset (CSV) — All 25 lenders in the Barrow County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Barrow County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Barrow County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.