DSCR Loans in DeKalb 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, 205 lenders made 1,434 investment-property loans in DeKalb County, 6.7% of Georgia's total. Dominick Prevete arranges DSCR loans across DeKalb 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.
DeKalb County investor market at a glance
| Statistic | DeKalb County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 1,434 | 21,364 | 3rd of 43 |
| Reporting lenders | 205 | 586 | 4th of 43 |
| Loan volume | $401.1M | $5.33B | 3rd of 43 |
| Average loan | $280K | $249K | 14th of 43 |
| Median loan | $225K | $205K | 14th of 43 |
| Purchases | 54.7% | 57.3% | 29th of 43 |
| Cash-out refinances | 25.8% | 17.5% | 5th of 43 |
| 2–4 unit properties | 3.7% | 10.0% | 37th of 43 |
| Top five lenders' share | 26.8% | 18.5% | 35th of 43 |
| Reported business-purpose | 80.8% | 65.7% | 3rd of 43 |
DeKalb County: closed-end loans on 1–4 unit investment properties. DeKalb County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of DeKalb County's investor loans.
What stands out in DeKalb County
By share of investor loans reported as business-purpose, DeKalb County ranks 3rd-highest of Georgia's 43 counties with published data (statewide: 65.7%).
80.8% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
25.8% of DeKalb County's investor loans were cash-out refinances, the 5th-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.
3.7% of DeKalb County's investor loans financed a 2–4 unit property, the 7th-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 DeKalb County?
At HUD's fair market rent of $2,099 for a 3-bedroom in DeKalb 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). DeKalb County's median home value is $357,800; at that price the payment is $2,378 a month, so the property would need $2,400 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) | $357,800 |
| Median property taxes and effective rate | $3,310 (0.93% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,378 |
| Rent needed to cover that payment | $2,400 |
| Coverage of a 3-bedroom at fair market rent | 0.88 |
| 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 DeKalb County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in DeKalb County?
The most active investment-property lenders in DeKalb County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Rocket Mortgage, LLC, out of 205 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 DeKalb County, and matches each file to the one most likely to fund it.
DeKalb County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,434 loans and $401.1M from 205 lenders. Kiavi Funding, Inc. led DeKalb County with 159 loans, 11.1% of the county's total, and the average DeKalb County loan of $280K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 159 | $45.8M | $288K | 81.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 77 | $19.7M | $256K | 53.2% |
| Rocket Mortgage, LLC | 53 | $10.3M | $194K | 37.7% |
| Easy Street Capital, LLC | 50 | $12.6M | $253K | 0.0% |
| ICE LENDER HOLDINGS LLC | 46 | $8.9M | $194K | 4.3% |
| First Option Mortgage, LLC | 46 | $7.9M | $171K | 97.8% |
| CHAMPIONS FUNDING, LLC | 38 | $16.4M | $431K | 28.9% |
| Loan Funder LLC | 38 | $11.1M | $292K | 86.8% |
| BoxCar Mortgage, LLC | 29 | $7.4M | $256K | 75.9% |
| Ameris Bank | 28 | $7.2M | $256K | 64.3% |
| PENNYMAC LOAN SERVICES, LLC | 26 | $7.8M | $302K | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 25 | $15.1M | $606K | 56.0% |
| CV3 FINANCIAL SERVICES, LLC | 23 | $12.0M | $521K | 52.2% |
| LIMA ONE CAPITAL, LLC | 23 | $7.1M | $309K | 56.5% |
| BPL MORTGAGE TRUST, LLC | 23 | $4.3M | $188K | 30.4% |
| OCMBC, INC. | 22 | $5.1M | $232K | 27.3% |
| NEWREZ LLC | 20 | $3.4M | $172K | 30.0% |
| Citadel Servicing Corporation | 19 | $5.9M | $310K | 31.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 19 | $3.4M | $178K | 15.8% |
| AMERICAN HERITAGE LENDING, LLC | 18 | $5.6M | $311K | 11.1% |
| LENDINGONE, LLC | 16 | $3.9M | $245K | 62.5% |
| Hometown Equity Mortgage, LLC | 16 | $3.9M | $241K | 25.0% |
| THE LOAN STORE, INC. | 15 | $3.5M | $236K | 60.0% |
| HOMEXPRESS MORTGAGE CORP. | 14 | $4.4M | $313K | 28.6% |
| AMWEST FUNDING CORP. | 14 | $4.3M | $304K | 71.4% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for DeKalb County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · DeKalb County CSV, all 25 lenders
What DeKalb County's table can't show you: fit. Short-term financing is exempt from HMDA, so DeKalb County's fix-and-flip and bridge lenders barely appear among its 205 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 DeKalb County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a DeKalb 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 — DeKalb County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 205 lenders and 1,434 loans: 2025 HMDA loan-level data rolled up to DeKalb County.
- DeKalb County investor-lender dataset (CSV) — All 25 lenders in the DeKalb County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — DeKalb 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 — DeKalb 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.