DSCR Loans in Cherokee County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 137 lenders made 444 investment-property loans in Cherokee County, 2.1% of Georgia's total. Dominick Prevete arranges DSCR loans across Cherokee 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.
Cherokee County investor market at a glance
| Statistic | Cherokee County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 444 | 21,364 | 10th of 43 |
| Reporting lenders | 137 | 586 | 6th of 43 |
| Loan volume | $143.3M | $5.33B | 6th of 43 |
| Average loan | $323K | $249K | 9th of 43 |
| Median loan | $285K | $205K | 5th of 43 |
| Purchases | 65.5% | 57.3% | 14th of 43 |
| Cash-out refinances | 16.2% | 17.5% | 19th of 43 |
| 2–4 unit properties | 2.0% | 10.0% | 39th of 43 |
| Top five lenders' share | 25.5% | 18.5% | 39th of 43 |
| Reported business-purpose | 62.8% | 65.7% | 25th of 43 |
Cherokee County: closed-end loans on 1–4 unit investment properties. Cherokee County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cherokee County's investor loans.
What stands out in Cherokee County
2.0% of Cherokee County's investor loans financed a 2–4 unit property, the 4th-lowest share of Georgia's 43 counties with published data (statewide: 10.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The median investor loan in Cherokee County was $285K, the 5th-highest median of Georgia's 43 counties with published data (statewide: $205K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 25.5% of Cherokee County's investor loans, the 5th-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.
Does a DSCR loan pencil in Cherokee County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Cherokee 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). Cherokee County's median home value is $435,100; at that price the payment is $2,805 a month, so the property would need $2,825 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) | $1,762 / $2,099 / $2,493 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $435,100 |
| Median property taxes and effective rate | $2,985 (0.69% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,805 |
| Rent needed to cover that payment | $2,825 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| 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 Cherokee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cherokee County?
The most active investment-property lenders in Cherokee County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and Kiavi Funding, Inc., out of 137 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 Cherokee County, and matches each file to the one most likely to fund it.
Cherokee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 444 loans and $143.3M from 137 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Cherokee County with 37 loans, 8.3% of the county's total, and the average Cherokee County loan of $323K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 37 | $9.7M | $263K | 48.6% |
| Rocket Mortgage, LLC | 22 | $5.4M | $245K | 31.8% |
| Kiavi Funding, Inc. | 20 | $6.7M | $334K | 95.0% |
| PENNYMAC LOAN SERVICES, LLC | 19 | $6.5M | $343K | 63.2% |
| General Mortgage Capital Corporation | 15 | $4.3M | $285K | 93.3% |
| Loan Funder LLC | 13 | $5.9M | $453K | 76.9% |
| THE LOAN STORE, INC. | 11 | $4.0M | $360K | 63.6% |
| LENNAR MORTGAGE, LLC | 11 | $3.9M | $359K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | $5.8M | $576K | 80.0% |
| Community Bank of Pickens County | 8 | $2.9M | $366K | 62.5% |
| CHAMPIONS FUNDING, LLC | 7 | $2.0M | $289K | 14.3% |
| Loandepot.Com, LLC | 6 | $2.2M | $363K | 83.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | $2.1M | $348K | 16.7% |
| EVERETT FINANCIAL, INC. | 6 | $1.7M | $290K | 100.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | $1.7M | $278K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 6 | $1.6M | $263K | 83.3% |
| East West Bank | 6 | $1.5M | $253K | 100.0% |
| First Option Mortgage, LLC | 6 | $1.3M | $210K | 100.0% |
| LEI:254900AH8L5ZM1JZET07 | 5 | $3.9M | $773K | 40.0% |
| LENDINGONE, LLC | 5 | $1.8M | $365K | 0.0% |
| KIND LENDING, LLC | 5 | $1.8M | $363K | 80.0% |
| Ameris Bank | 5 | $1.7M | $337K | 80.0% |
| First Heritage Mortgage, LLC | 5 | $1.6M | $319K | 100.0% |
| Onward Home Mortgage, LLC | 5 | $1.1M | $225K | 60.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $2.5M | $633K | 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 Cherokee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cherokee County CSV, all 25 lenders
What Cherokee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cherokee County's fix-and-flip and bridge lenders barely appear among its 137 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 Cherokee County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cherokee 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 — Cherokee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 137 lenders and 444 loans: 2025 HMDA loan-level data rolled up to Cherokee County.
- Cherokee County investor-lender dataset (CSV) — All 25 lenders in the Cherokee County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cherokee 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 — Cherokee 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.