DSCR Loans in Bartow County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 75 lenders made 251 investment-property loans in Bartow County, 1.2% of Georgia's total. Dominick Prevete arranges DSCR loans across Bartow 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 $325,000.
Bartow County investor market at a glance
| Statistic | Bartow County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 251 | 21,364 | 21st of 43 |
| Reporting lenders | 75 | 586 | 22nd of 43 |
| Loan volume | $57.7M | $5.33B | 20th of 43 |
| Average loan | $230K | $249K | 22nd of 43 |
| Median loan | $225K | $205K | 14th of 43 |
| Purchases | 72.1% | 57.3% | 6th of 43 |
| Cash-out refinances | 12.0% | 17.5% | 34th of 43 |
| 2–4 unit properties | 7.2% | 10.0% | 24th of 43 |
| Top five lenders' share | 33.9% | 18.5% | 24th of 43 |
| Reported business-purpose | 55.8% | 65.7% | 31st of 43 |
Bartow County: closed-end loans on 1–4 unit investment properties. Bartow County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bartow County's investor loans.
What stands out in Bartow County
72.1% of Bartow County's investor loans were purchases, the 6th-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.
12.0% of Bartow County's investor loans were cash-out refinances, the 10th-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 Bartow County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Bartow County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $325,000, with 20% down at the 7.25% starting rate (November 2026). Bartow County's median home value is $289,000; at that price the payment is $1,866 a month, so the property would need $1,875 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) | $289,000 |
| Median property taxes and effective rate | $2,024 (0.70% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,866 |
| Rent needed to cover that payment | $1,875 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $325,000 |
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 Bartow County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bartow County?
The most active investment-property lenders in Bartow County in 2025 HMDA data were BANKSOUTH MORTGAGE COMPANY, LLC; MOVEMENT MORTGAGE, LLC; and DHI MORTGAGE COMPANY, LTD., out of 75 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 one that reported in Bartow County, and matches each file to the one most likely to fund it.
Bartow County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 251 loans and $57.7M from 75 lenders. BANKSOUTH MORTGAGE COMPANY, LLC led Bartow County with 28 loans, 11.2% of the county's total, and the average Bartow County loan of $230K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BANKSOUTH MORTGAGE COMPANY, LLC | 28 | $6.2M | $221K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 23 | $5.7M | $246K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 15 | $4.6M | $306K | 100.0% |
| Kiavi Funding, Inc. | 10 | $2.2M | $219K | 80.0% |
| CV3 FINANCIAL SERVICES, LLC | 9 | $2.5M | $283K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $2.1M | $231K | 55.6% |
| Heritage Mortgage, LLC | 9 | $2.0M | $225K | 100.0% |
| Ameris Bank | 9 | $1.9M | $207K | 66.7% |
| LEI:254900AH8L5ZM1JZET07 | 8 | $2.2M | $279K | 62.5% |
| Coosa Valley Credit Union | 8 | $1.7M | $211K | 25.0% |
| FirstBank | 8 | $0.8M | $98K | 37.5% |
| Rocket Mortgage, LLC | 7 | $1.2M | $176K | 28.6% |
| Loan Funder LLC | 5 | $1.8M | $351K | 60.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $0.8M | $153K | 40.0% |
| LENNAR MORTGAGE, LLC | 4 | $1.1M | $275K | 100.0% |
| Loandepot.Com, LLC | 4 | $0.9M | $233K | 100.0% |
| THE LOAN STORE, INC. | 4 | $0.8M | $208K | 75.0% |
| SWBC MORTGAGE CORPORATION | 4 | $0.7M | $183K | 50.0% |
| Emporium TPO LLC | 3 | $1.5M | $495K | 33.3% |
| United Community Bank | 3 | $1.3M | $438K | 66.7% |
| KIND LENDING, LLC | 3 | $0.6M | $212K | 100.0% |
| Fairway Independent Mortgage Corporation | 3 | $0.6M | $208K | 66.7% |
| First Option Mortgage, LLC | 3 | $0.5M | $155K | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | $0.6M | $300K | 50.0% |
| NexBank | 2 | $0.5M | $265K | 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 Bartow County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bartow County CSV, all 25 lenders
What Bartow County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bartow County's fix-and-flip and bridge lenders barely appear among its 75 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 Bartow County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bartow 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 — Bartow County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 75 lenders and 251 loans: 2025 HMDA loan-level data rolled up to Bartow County.
- Bartow County investor-lender dataset (CSV) — All 25 lenders in the Bartow County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bartow 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 — Bartow 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.