DSCR Loans in Douglas County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 73 lenders made 176 investment-property loans in Douglas County, 0.8% of Georgia's total. Dominick Prevete arranges DSCR loans across Douglas 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.
Douglas County investor market at a glance
| Statistic | Douglas County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 176 | 21,364 | 26th of 43 |
| Reporting lenders | 73 | 586 | 24th of 43 |
| Loan volume | $39.9M | $5.33B | 28th of 43 |
| Average loan | $227K | $249K | 23rd of 43 |
| Median loan | $205K | $205K | 20th of 43 |
| Purchases | 56.8% | 57.3% | 26th of 43 |
| Cash-out refinances | 29.0% | 17.5% | 2nd of 43 |
| 2–4 unit properties | 6.2% | 10.0% | 28th of 43 |
| Top five lenders' share | 34.7% | 18.5% | 20th of 43 |
| Reported business-purpose | 80.1% | 65.7% | 6th of 43 |
Douglas County: closed-end loans on 1–4 unit investment properties. Douglas County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Douglas County's investor loans.
What stands out in Douglas County
29.0% of Douglas County's investor loans were cash-out refinances, the 2nd-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.
By share of investor loans reported as business-purpose, Douglas County ranks 6th-highest of Georgia's 43 counties with published data (statewide: 65.7%).
80.1% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Douglas County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Douglas 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). Douglas County's median home value is $296,900; at that price the payment is $1,928 a month, so the property would need $1,950 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) | $296,900 |
| Median property taxes and effective rate | $2,212 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,928 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 1.09 |
| 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 Douglas County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Douglas County?
The most active investment-property lenders in Douglas County in 2025 HMDA data were Kiavi Funding, Inc.; CROSSCOUNTRY MORTGAGE, INC.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 73 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 Douglas County, and matches each file to the one most likely to fund it.
Douglas County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 176 loans and $39.9M from 73 lenders. Kiavi Funding, Inc. led Douglas County with 22 loans, 12.5% of the county's total, and the average Douglas County loan of $227K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 22 | $4.8M | $220K | 90.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | $3.3M | $255K | 84.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $2.0M | $180K | 63.6% |
| First Option Mortgage, LLC | 8 | $1.5M | $184K | 100.0% |
| Rocket Mortgage, LLC | 7 | $1.2M | $172K | 28.6% |
| CHAMPIONS FUNDING, LLC | 6 | $1.7M | $277K | 33.3% |
| SHELTER HOME MORTGAGE, LLC | 5 | $0.8M | $161K | 20.0% |
| VISTA POINT MORTGAGE, LLC | 4 | $1.3M | $325K | 50.0% |
| Citadel Servicing Corporation | 4 | $0.8M | $203K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.7M | $175K | 25.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.6M | $153K | 50.0% |
| ICE LENDER HOLDINGS LLC | 3 | $1.0M | $328K | 100.0% |
| EVERETT FINANCIAL, INC. | 3 | $1.0M | $328K | 33.3% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.9M | $315K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.7M | $248K | 66.7% |
| Ameris Bank | 3 | $0.7M | $235K | 100.0% |
| Northpointe Bank | 3 | $0.5M | $182K | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | $1.2M | $605K | 50.0% |
| LIMA ONE CAPITAL, LLC | 2 | $0.7M | $360K | 0.0% |
| THE LOAN STORE, INC. | 2 | $0.7M | $345K | 0.0% |
| LENNAR MORTGAGE, LLC | 2 | $0.6M | $305K | 100.0% |
| OCMBC, INC. | 2 | $0.6M | $275K | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | $0.5M | $230K | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | $0.4M | $210K | 100.0% |
| Easy Street Capital, LLC | 2 | $0.4M | $200K | 0.0% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Douglas County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Douglas County CSV, all 25 lenders
What Douglas County's table can't show you: fit. Short-term financing is exempt from HMDA, so Douglas County's fix-and-flip and bridge lenders barely appear among its 73 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 Douglas County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Douglas 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 — Douglas County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 73 lenders and 176 loans: 2025 HMDA loan-level data rolled up to Douglas County.
- Douglas County investor-lender dataset (CSV) — All 25 lenders in the Douglas County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Douglas 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 — Douglas 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.