DSCR Loans in Clarke County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 97 lenders made 359 investment-property loans in Clarke County, 1.7% of Georgia's total. Dominick Prevete arranges DSCR loans across Clarke 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 $240,000.
Clarke County investor market at a glance
| Statistic | Clarke County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 359 | 21,364 | 13th of 43 |
| Reporting lenders | 97 | 586 | 14th of 43 |
| Loan volume | $90.1M | $5.33B | 12th of 43 |
| Average loan | $251K | $249K | 18th of 43 |
| Median loan | $205K | $205K | 20th of 43 |
| Purchases | 57.1% | 57.3% | 25th of 43 |
| Cash-out refinances | 10.9% | 17.5% | 37th of 43 |
| 2–4 unit properties | 20.9% | 10.0% | 4th of 43 |
| Top five lenders' share | 41.2% | 18.5% | 14th of 43 |
| Reported business-purpose | 47.1% | 65.7% | 40th of 43 |
Clarke County: closed-end loans on 1–4 unit investment properties. Clarke County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Clarke County's investor loans.
What stands out in Clarke County
47.1% of Clarke County's investor loans were reported as business-purpose, the 4th-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.
20.9% of Clarke County's investor loans financed a 2–4 unit property, the 4th-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.
10.9% of Clarke County's investor loans were cash-out refinances, the 7th-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 Clarke County?
At HUD's fair market rent of $1,610 for a 3-bedroom in Clarke County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Clarke County's median home value is $298,900; at that price the payment is $1,973 a month, so the property would need $1,975 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) | $1,285 / $1,610 / $1,689 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $298,900 |
| Median property taxes and effective rate | $2,610 (0.87% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,973 |
| Rent needed to cover that payment | $1,975 |
| Coverage of a 3-bedroom at fair market rent | 0.82 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
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 Clarke County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Clarke County?
The most active investment-property lenders in Clarke County in 2025 HMDA data were First American Bank and Trust Company, The Commercial Bank and Classic City Bank, out of 97 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 Clarke County, and matches each file to the one most likely to fund it.
Clarke County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 359 loans and $90.1M from 97 lenders. First American Bank and Trust Company led Clarke County with 54 loans, 15.0% of the county's total, and the average Clarke County loan of $251K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First American Bank and Trust Company | 54 | $12.4M | $229K | 24.1% |
| The Commercial Bank | 30 | $6.3M | $209K | 33.3% |
| Classic City Bank | 24 | $7.6M | $318K | 58.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 24 | $4.9M | $205K | 54.2% |
| PINNACLE BANK | 16 | $3.6M | $227K | 68.8% |
| Synovus Bank | 13 | $4.3M | $331K | 38.5% |
| City National Bank of Florida | 13 | $2.8M | $219K | 84.6% |
| Oconee State Bank | 12 | $2.4M | $198K | 66.7% |
| Rocket Mortgage, LLC | 11 | $2.6M | $233K | 72.7% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $2.7M | $266K | 70.0% |
| 21st Mortgage Corporation | 7 | $0.8M | $121K | 100.0% |
| Fairway Independent Mortgage Corporation | 5 | $1.2M | $241K | 80.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 5 | $1.2M | $241K | 80.0% |
| Kiavi Funding, Inc. | 5 | $1.1M | $225K | 80.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.6M | $393K | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $0.9M | $220K | 75.0% |
| Regions Bank | 4 | $0.8M | $205K | 100.0% |
| Cadence Bank | 4 | $0.6M | $143K | 0.0% |
| United Bank | 3 | $1.5M | $485K | 100.0% |
| UNION HOME MORTGAGE CORP. | 3 | $1.1M | $362K | 100.0% |
| CHAMPIONS FUNDING, LLC | 3 | $0.8M | $265K | 33.3% |
| COLONY BANK | 3 | $0.7M | $242K | 100.0% |
| KIND LENDING, LLC | 3 | $0.7M | $238K | 66.7% |
| LENDINGONE, LLC | 3 | $0.7M | $235K | 33.3% |
| NEWREZ LLC | 3 | $0.7M | $235K | 100.0% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Clarke County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Clarke County CSV, all 25 lenders
What Clarke County's table can't show you: fit. Short-term financing is exempt from HMDA, so Clarke County's fix-and-flip and bridge lenders barely appear among its 97 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 Clarke County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Clarke 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 — Clarke County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 97 lenders and 359 loans: 2025 HMDA loan-level data rolled up to Clarke County.
- Clarke County investor-lender dataset (CSV) — All 25 lenders in the Clarke County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Clarke 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 Athens-Clarke County, GA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Clarke 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.