DSCR Loans in Clayton 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, 133 lenders made 527 investment-property loans in Clayton County, 2.5% of Georgia's total. Dominick Prevete arranges DSCR loans across Clayton 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 $315,000.
Clayton County investor market at a glance
| Statistic | Clayton County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 527 | 21,364 | 9th of 43 |
| Reporting lenders | 133 | 586 | 7th of 43 |
| Loan volume | $95.8M | $5.33B | 10th of 43 |
| Average loan | $182K | $249K | 32nd of 43 |
| Median loan | $165K | $205K | 30th of 43 |
| Purchases | 49.9% | 57.3% | 36th of 43 |
| Cash-out refinances | 27.5% | 17.5% | 3rd of 43 |
| 2–4 unit properties | 4.6% | 10.0% | 34th of 43 |
| Top five lenders' share | 33.2% | 18.5% | 26th of 43 |
| Reported business-purpose | 82.2% | 65.7% | 2nd of 43 |
Clayton County: closed-end loans on 1–4 unit investment properties. Clayton County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Clayton County's investor loans.
What stands out in Clayton County
By share of investor loans reported as business-purpose, Clayton County ranks 2nd-highest of Georgia's 43 counties with published data (statewide: 65.7%).
82.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
27.5% of Clayton County's investor loans were cash-out refinances, the 3rd-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.
49.9% of Clayton County's investor loans were purchases, the 8th-lowest share of Georgia's 43 counties with published data (statewide: 57.3%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Clayton County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Clayton County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $315,000, with 20% down at the 7.25% starting rate (November 2026). Clayton County's median home value is $222,300; at that price the payment is $1,467 a month, so the property would need $1,475 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) | $222,300 |
| Median property taxes and effective rate | $1,933 (0.87% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,467 |
| Rent needed to cover that payment | $1,475 |
| Coverage of a 3-bedroom at fair market rent | 1.43 |
| Highest price a 3-bedroom at fair market rent covers | about $315,000 |
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 Clayton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Clayton County?
The most active investment-property lenders in Clayton County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Loan Funder LLC, out of 133 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 several that reported in Clayton County, and matches each file to the one most likely to fund it.
Clayton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 527 loans and $95.8M from 133 lenders. Kiavi Funding, Inc. led Clayton County with 77 loans, 14.6% of the county's total, and the average Clayton County loan of $182K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 77 | $14.3M | $186K | 75.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 38 | $7.1M | $188K | 47.4% |
| Loan Funder LLC | 22 | $4.1M | $188K | 63.6% |
| AMWEST FUNDING CORP. | 21 | $3.5M | $165K | 52.4% |
| First Option Mortgage, LLC | 17 | $2.4M | $144K | 88.2% |
| CHAMPIONS FUNDING, LLC | 16 | $3.5M | $219K | 25.0% |
| Rocket Mortgage, LLC | 14 | $2.1M | $152K | 50.0% |
| LENDINGONE, LLC | 13 | $2.6M | $202K | 46.2% |
| Easy Street Capital, LLC | 12 | $2.2M | $182K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $4.2M | $380K | 90.9% |
| A&D Mortgage LLC | 10 | $1.4M | $142K | 40.0% |
| CV3 FINANCIAL SERVICES, LLC | 9 | $1.4M | $152K | 44.4% |
| Hometown Equity Mortgage, LLC | 8 | $1.6M | $198K | 50.0% |
| RPE Home, Inc | 7 | $1.3M | $192K | 85.7% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | $2.3M | $382K | 50.0% |
| GUARANTEED RATE, INC. | 6 | $1.7M | $285K | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | $1.2M | $197K | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.1M | $178K | 0.0% |
| Citadel Servicing Corporation | 6 | $1.0M | $168K | 33.3% |
| NEWREZ LLC | 5 | $1.1M | $221K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $0.8M | $165K | 60.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | $0.8M | $161K | 0.0% |
| JPMorgan Chase Bank, National Association | 5 | $0.8M | $159K | 60.0% |
| NFM, INC. | 5 | $0.8M | $151K | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | $0.7M | $137K | 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 Clayton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Clayton County CSV, all 25 lenders
What Clayton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Clayton County's fix-and-flip and bridge lenders barely appear among its 133 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 several 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 Clayton County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Clayton 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 — Clayton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 133 lenders and 527 loans: 2025 HMDA loan-level data rolled up to Clayton County.
- Clayton County investor-lender dataset (CSV) — All 25 lenders in the Clayton County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Clayton 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 — Clayton 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.