DSCR Loans in Cobb 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, 207 lenders made 1,170 investment-property loans in Cobb County, 5.5% of Georgia's total. Dominick Prevete arranges DSCR loans across Cobb 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.
Cobb County investor market at a glance
| Statistic | Cobb County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 1,170 | 21,364 | 4th of 43 |
| Reporting lenders | 207 | 586 | 3rd of 43 |
| Loan volume | $338.1M | $5.33B | 4th of 43 |
| Average loan | $289K | $249K | 12th of 43 |
| Median loan | $255K | $205K | 10th of 43 |
| Purchases | 63.8% | 57.3% | 16th of 43 |
| Cash-out refinances | 19.9% | 17.5% | 12th of 43 |
| 2–4 unit properties | 4.0% | 10.0% | 36th of 43 |
| Top five lenders' share | 31.1% | 18.5% | 30th of 43 |
| Reported business-purpose | 76.4% | 65.7% | 9th of 43 |
Cobb County: closed-end loans on 1–4 unit investment properties. Cobb County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cobb County's investor loans.
What stands out in Cobb County
4.0% of Cobb County's investor loans financed a 2–4 unit property, the 8th-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.
By share of investor loans reported as business-purpose, Cobb County ranks 9th-highest of Georgia's 43 counties with published data (statewide: 65.7%).
76.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The median investor loan in Cobb County was $255K, the 10th-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.
Does a DSCR loan pencil in Cobb County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Cobb 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). Cobb County's median home value is $407,200; at that price the payment is $2,619 a month, so the property would need $2,625 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) | $407,200 |
| Median property taxes and effective rate | $2,720 (0.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,619 |
| Rent needed to cover that payment | $2,625 |
| Coverage of a 3-bedroom at fair market rent | 0.80 |
| 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 Cobb County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cobb County?
The most active investment-property lenders in Cobb County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and LENDINGONE, LLC, out of 207 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 Cobb County, and matches each file to the one most likely to fund it.
Cobb County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,170 loans and $338.1M from 207 lenders. Kiavi Funding, Inc. led Cobb County with 115 loans, 9.8% of the county's total, and the average Cobb County loan of $289K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 115 | $39.4M | $343K | 88.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 97 | $26.5M | $274K | 60.8% |
| LENDINGONE, LLC | 68 | $21.6M | $318K | 69.1% |
| Rocket Mortgage, LLC | 49 | $10.9M | $223K | 40.8% |
| First Option Mortgage, LLC | 35 | $6.5M | $186K | 91.4% |
| PENNYMAC LOAN SERVICES, LLC | 34 | $10.9M | $322K | 55.9% |
| Easy Street Capital, LLC | 27 | $9.7M | $360K | 0.0% |
| Ameris Bank | 27 | $6.8M | $251K | 81.5% |
| CHAMPIONS FUNDING, LLC | 22 | $8.5M | $385K | 45.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | $5.1M | $234K | 68.2% |
| NEWREZ LLC | 19 | $4.5M | $235K | 68.4% |
| DEEPHAVEN MORTGAGE LLC | 18 | $5.0M | $278K | 38.9% |
| OCMBC, INC. | 16 | $4.6M | $287K | 56.2% |
| EVERETT FINANCIAL, INC. | 16 | $3.5M | $219K | 93.8% |
| Hometown Equity Mortgage, LLC | 15 | $5.1M | $339K | 46.7% |
| KIND LENDING, LLC | 12 | $3.6M | $300K | 83.3% |
| Citadel Servicing Corporation | 12 | $3.5M | $288K | 41.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | $2.9M | $238K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 11 | $6.4M | $586K | 72.7% |
| Loan Funder LLC | 11 | $2.9M | $263K | 18.2% |
| GUARANTEED RATE, INC. | 10 | $3.3M | $329K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 10 | $2.8M | $284K | 50.0% |
| Wells Fargo Bank, National Association | 10 | $2.2M | $221K | 60.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | $4.6M | $512K | 77.8% |
| Truist Bank | 9 | $2.0M | $221K | 66.7% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cobb County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cobb County CSV, all 25 lenders
What Cobb County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cobb County's fix-and-flip and bridge lenders barely appear among its 207 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 Cobb County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cobb 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 — Cobb County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 207 lenders and 1,170 loans: 2025 HMDA loan-level data rolled up to Cobb County.
- Cobb County investor-lender dataset (CSV) — All 25 lenders in the Cobb County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cobb 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 — Cobb 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.