DSCR Loans in Bulloch County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 50 lenders made 142 investment-property loans in Bulloch County, 0.7% of Georgia's total. Dominick Prevete arranges DSCR loans across Bulloch 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 $220,000.
Bulloch County investor market at a glance
| Statistic | Bulloch County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 142 | 21,364 | 35th of 43 |
| Reporting lenders | 50 | 586 | 36th of 43 |
| Loan volume | $23.8M | $5.33B | 39th of 43 |
| Average loan | $168K | $249K | 35th of 43 |
| Median loan | $165K | $205K | 30th of 43 |
| Purchases | 56.3% | 57.3% | 28th of 43 |
| Cash-out refinances | 11.3% | 17.5% | 35th of 43 |
| 2–4 unit properties | 18.3% | 10.0% | 6th of 43 |
| Top five lenders' share | 46.5% | 18.5% | 9th of 43 |
| Reported business-purpose | 52.1% | 65.7% | 34th of 43 |
Bulloch County: closed-end loans on 1–4 unit investment properties. Bulloch County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Bulloch County's investor loans.
What stands out in Bulloch County
18.3% of Bulloch County's investor loans financed a 2–4 unit property, the 6th-highest share of Georgia's 43 counties with published data (statewide: 10.0%).
2–4 unit properties are a larger share here than in most of Georgia. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
11.3% of Bulloch County's investor loans were cash-out refinances, the 9th-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.
The average investor loan in Bulloch County was $168K, the 9th-lowest average of Georgia's 43 counties with published data (statewide: $249K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Bulloch County?
At HUD's fair market rent of $1,436 for a 3-bedroom in Bulloch County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Bulloch County's median home value is $222,500; at that price the payment is $1,447 a month, so the property would need $1,450 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,160 / $1,436 / $1,647 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $222,500 |
| Median property taxes and effective rate | $1,679 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,447 |
| Rent needed to cover that payment | $1,450 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $355,000 |
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 Bulloch County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Bulloch County?
The most active investment-property lenders in Bulloch County in 2025 HMDA data were Renasant Bank, Morris Bank and Glennville Bank, out of 50 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 and matches each file to the one most likely to fund it.
Bulloch County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 142 loans and $23.8M from 50 lenders. Renasant Bank led Bulloch County with 22 loans, 15.5% of the county's total, and the average Bulloch County loan of $168K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Renasant Bank | 22 | $2.4M | $110K | 22.7% |
| Morris Bank | 15 | $3.3M | $219K | 80.0% |
| Glennville Bank | 15 | $2.1M | $143K | 33.3% |
| Synovus Bank | 9 | $1.4M | $153K | 55.6% |
| SouthState Bank, National Association | 5 | $1.1M | $217K | 100.0% |
| Pineland Bank | 4 | $1.2M | $295K | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | $0.8M | $208K | 75.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $0.8M | $198K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $0.8M | $195K | 25.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $0.7M | $178K | 100.0% |
| Rocket Mortgage, LLC | 4 | $0.6M | $140K | 0.0% |
| Bank of Newington | 4 | $0.5M | $120K | 25.0% |
| COLONY BANK | 3 | $0.5M | $175K | 100.0% |
| 21st Mortgage Corporation | 3 | $0.2M | $58K | 100.0% |
| Broker Solutions, Inc. | 2 | $0.8M | $390K | 100.0% |
| Queensborough National Bank & Trust Company | 2 | $0.3M | $175K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.3M | $160K | 50.0% |
| KIND LENDING, LLC | 2 | $0.3M | $160K | 50.0% |
| CORE CREDIT UNION | 2 | $0.2M | $115K | 0.0% |
| PINNACLE BANK | 2 | $0.1M | $75K | 100.0% |
| Palmetto State Bank | 1 | $0.5M | $545K | 100.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | $0.2M | $245K | 100.0% |
| LENDSURE MORTGAGE CORP. | 1 | $0.2M | $245K | 0.0% |
| OCMBC, INC. | 1 | $0.2M | $235K | 0.0% |
| Loan Funder LLC | 1 | $0.2M | $215K | 0.0% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Bulloch County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Bulloch County CSV, all 25 lenders
What Bulloch County's table can't show you: fit. Short-term financing is exempt from HMDA, so Bulloch County's fix-and-flip and bridge lenders barely appear among its 50 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 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 Bulloch County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Bulloch 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 — Bulloch County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 50 lenders and 142 loans: 2025 HMDA loan-level data rolled up to Bulloch County.
- Bulloch County investor-lender dataset (CSV) — All 25 lenders in the Bulloch County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Bulloch 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 Bulloch County, GA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Bulloch 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.