DSCR Loans in Chatham County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 175 lenders made 959 investment-property loans in Chatham County, 4.5% of Georgia's total. Dominick Prevete arranges DSCR loans across Chatham 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 $330,000.
Chatham County investor market at a glance
| Statistic | Chatham County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 959 | 21,364 | 5th of 43 |
| Reporting lenders | 175 | 586 | 5th of 43 |
| Loan volume | $289.1M | $5.33B | 5th of 43 |
| Average loan | $302K | $249K | 10th of 43 |
| Median loan | $245K | $205K | 11th of 43 |
| Purchases | 52.1% | 57.3% | 33rd of 43 |
| Cash-out refinances | 24.5% | 17.5% | 7th of 43 |
| 2–4 unit properties | 14.3% | 10.0% | 11th of 43 |
| Top five lenders' share | 20.8% | 18.5% | 43rd of 43 |
| Reported business-purpose | 68.0% | 65.7% | 20th of 43 |
Chatham County: closed-end loans on 1–4 unit investment properties. Chatham County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Chatham County's investor loans.
What stands out in Chatham County
The five most active lenders wrote 20.8% of Chatham County's investor loans, the lowest share of Georgia's 43 counties with published data (statewide: 18.5%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
24.5% of Chatham County's investor loans were cash-out refinances, the 7th-highest share of Georgia's 43 counties with published data (statewide: 17.5%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The average investor loan in Chatham County was $302K, the 10th-highest average of Georgia's 43 counties with published data (statewide: $249K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Chatham County?
At HUD's fair market rent of $2,185 for a 3-bedroom in Chatham County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $330,000, with 20% down at the 7.25% starting rate (November 2026). Chatham County's median home value is $302,700; at that price the payment is $1,990 a month, so the property would need $2,000 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) | $1,679 / $2,185 / $2,484 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $302,700 |
| Median property taxes and effective rate | $2,541 (0.84% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,990 |
| Rent needed to cover that payment | $2,000 |
| Coverage of a 3-bedroom at fair market rent | 1.10 |
| Highest price a 3-bedroom at fair market rent covers | about $330,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $510,000 |
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 Chatham County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Chatham County?
The most active investment-property lenders in Chatham County in 2025 HMDA data were Broker Solutions, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Workmen's Circle Credit Union, out of 175 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 Chatham County, and matches each file to the one most likely to fund it.
Chatham County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 959 loans and $289.1M from 175 lenders. Broker Solutions, Inc. led Chatham County with 51 loans, 5.3% of the county's total, and the average Chatham County loan of $302K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Broker Solutions, Inc. | 51 | $14.6M | $286K | 62.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 49 | $11.3M | $231K | 34.7% |
| Workmen's Circle Credit Union | 40 | $11.4M | $284K | 20.0% |
| LENDINGONE, LLC | 30 | $7.2M | $240K | 20.0% |
| Kiavi Funding, Inc. | 29 | $7.0M | $240K | 75.9% |
| PENNYMAC LOAN SERVICES, LLC | 25 | $9.0M | $359K | 92.0% |
| Rocket Mortgage, LLC | 25 | $5.4M | $216K | 32.0% |
| THE LOAN STORE, INC. | 24 | $6.6M | $273K | 79.2% |
| Hometown Equity Mortgage, LLC | 23 | $7.8M | $338K | 73.9% |
| General Mortgage Capital Corporation | 22 | $5.3M | $239K | 45.5% |
| Southeastern Bank | 18 | $5.8M | $324K | 33.3% |
| OCMBC, INC. | 17 | $5.4M | $318K | 47.1% |
| SouthState Bank, National Association | 15 | $10.9M | $726K | 66.7% |
| LENNAR MORTGAGE, LLC | 15 | $3.8M | $256K | 100.0% |
| COLONY BANK | 15 | $3.8M | $253K | 60.0% |
| Queensborough National Bank & Trust Company | 14 | $5.3M | $379K | 42.9% |
| Loan Funder LLC | 14 | $4.1M | $296K | 35.7% |
| LEI:254900IGPKT07NB45N35 | 14 | $4.1M | $290K | 100.0% |
| Bank of Newington | 14 | $4.0M | $283K | 21.4% |
| LENDSURE MORTGAGE CORP. | 14 | $3.7M | $267K | 64.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | $2.6M | $202K | 0.0% |
| NexBank | 12 | $5.3M | $446K | 75.0% |
| Ameris Bank | 12 | $4.3M | $358K | 66.7% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 12 | $3.3M | $275K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 12 | $2.8M | $233K | 58.3% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Chatham County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Chatham County CSV, all 25 lenders
What Chatham County's table can't show you: fit. Short-term financing is exempt from HMDA, so Chatham County's fix-and-flip and bridge lenders barely appear among its 175 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 Chatham County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Chatham 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 — Chatham County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 175 lenders and 959 loans: 2025 HMDA loan-level data rolled up to Chatham County.
- Chatham County investor-lender dataset (CSV) — All 25 lenders in the Chatham County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Chatham 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 Savannah, GA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Chatham 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.