DSCR Loans in Coweta 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, 84 lenders made 170 investment-property loans in Coweta County, 0.8% of Georgia's total. Dominick Prevete arranges DSCR loans across Coweta 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 $320,000.
Coweta County investor market at a glance
| Statistic | Coweta County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 170 | 21,364 | 28th of 43 |
| Reporting lenders | 84 | 586 | 17th of 43 |
| Loan volume | $39.2M | $5.33B | 30th of 43 |
| Average loan | $231K | $249K | 20th of 43 |
| Median loan | $225K | $205K | 14th of 43 |
| Purchases | 64.7% | 57.3% | 15th of 43 |
| Cash-out refinances | 15.3% | 17.5% | 25th of 43 |
| 2–4 unit properties | 4.1% | 10.0% | 35th of 43 |
| Top five lenders' share | 21.2% | 18.5% | 41st of 43 |
| Reported business-purpose | 74.1% | 65.7% | 13th of 43 |
Coweta County: closed-end loans on 1–4 unit investment properties. Coweta County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Coweta County's investor loans.
What stands out in Coweta County
The five most active lenders wrote 21.2% of Coweta County's investor loans, the 3rd-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.
4.1% of Coweta County's investor loans financed a 2–4 unit property, the 9th-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.
Does a DSCR loan pencil in Coweta County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Coweta County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Coweta County's median home value is $357,500; at that price the payment is $2,319 a month, so the property would need $2,325 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) | $357,500 |
| Median property taxes and effective rate | $2,624 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,319 |
| Rent needed to cover that payment | $2,325 |
| Coverage of a 3-bedroom at fair market rent | 0.91 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
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 Coweta County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Coweta County?
The most active investment-property lenders in Coweta County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and United Bank, out of 84 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 Coweta County, and matches each file to the one most likely to fund it.
Coweta County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 170 loans and $39.2M from 84 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Coweta County with 9 loans, 5.3% of the county's total, and the average Coweta County loan of $231K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $1.9M | $207K | 22.2% |
| Kiavi Funding, Inc. | 8 | $1.9M | $240K | 87.5% |
| United Bank | 7 | $1.5M | $219K | 28.6% |
| CV3 FINANCIAL SERVICES, LLC | 7 | $1.1M | $152K | 100.0% |
| GUILD MORTGAGE COMPANY | 5 | $1.2M | $239K | 60.0% |
| Loandepot.Com, LLC | 5 | $1.1M | $227K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.4M | $343K | 75.0% |
| EVERETT FINANCIAL, INC. | 4 | $1.0M | $255K | 100.0% |
| A&D Mortgage LLC | 4 | $1.0M | $248K | 75.0% |
| Fairway Independent Mortgage Corporation | 4 | $0.8M | $213K | 100.0% |
| First Peoples Bank | 4 | $0.7M | $178K | 75.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.7M | $235K | 66.7% |
| CHAMPIONS FUNDING, LLC | 3 | $0.7M | $222K | 33.3% |
| Loan Funder LLC | 3 | $0.6M | $212K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.6M | $205K | 33.3% |
| Rocket Mortgage, LLC | 3 | $0.6M | $185K | 33.3% |
| Ameris Bank | 3 | $0.5M | $175K | 66.7% |
| LEI:254900AH8L5ZM1JZET07 | 2 | $0.8M | $425K | 100.0% |
| Bank OZK | 2 | $0.8M | $425K | 50.0% |
| DELTA COMMUNITY CREDIT UNION | 2 | $0.8M | $390K | 100.0% |
| LENNAR MORTGAGE, LLC | 2 | $0.7M | $350K | 100.0% |
| Synovus Bank | 2 | $0.7M | $330K | 100.0% |
| ServisFirst Bank | 2 | $0.6M | $280K | 100.0% |
| LEI:254900F4GAYA092QOZ09 | 2 | $0.5M | $265K | 100.0% |
| Filo Mortgage, L.L.C. | 2 | $0.5M | $265K | 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 Coweta County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Coweta County CSV, all 25 lenders
What Coweta County's table can't show you: fit. Short-term financing is exempt from HMDA, so Coweta County's fix-and-flip and bridge lenders barely appear among its 84 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 Coweta County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Coweta 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 — Coweta County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 84 lenders and 170 loans: 2025 HMDA loan-level data rolled up to Coweta County.
- Coweta County investor-lender dataset (CSV) — All 25 lenders in the Coweta County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Coweta 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 — Coweta 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.