DSCR Loans in Fannin County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 80 lenders made 187 investment-property loans in Fannin County, 0.9% of Georgia's total. Dominick Prevete arranges DSCR loans across Fannin 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 $210,000.
Fannin County investor market at a glance
| Statistic | Fannin County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 187 | 21,364 | 23rd of 43 |
| Reporting lenders | 80 | 586 | 18th of 43 |
| Loan volume | $95.1M | $5.33B | 11th of 43 |
| Average loan | $509K | $249K | 1st of 43 |
| Median loan | $465K | $205K | 1st of 43 |
| Purchases | 75.9% | 57.3% | 4th of 43 |
| Cash-out refinances | 12.3% | 17.5% | 32nd of 43 |
| 2–4 unit properties | 1.6% | 10.0% | 41st of 43 |
| Top five lenders' share | 27.3% | 18.5% | 34th of 43 |
| Reported business-purpose | 72.2% | 65.7% | 15th of 43 |
Fannin County: closed-end loans on 1–4 unit investment properties. Fannin County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fannin County's investor loans.
What stands out in Fannin County
The median investor loan in Fannin County was $465K, the 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.
1.6% of Fannin County's investor loans financed a 2–4 unit property, the 2nd-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.
75.9% of Fannin County's investor loans were purchases, the 4th-highest share of Georgia's 43 counties with published data (statewide: 57.3%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Does a DSCR loan pencil in Fannin County?
At HUD's fair market rent of $1,322 for a 3-bedroom in Fannin County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $210,000, with 20% down at the 7.25% starting rate (November 2026). Fannin County's median home value is $306,600; at that price the payment is $1,886 a month, so the property would need $1,900 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) | $1,002 / $1,322 / $1,327 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $306,600 |
| Median property taxes and effective rate | $1,021 (0.33% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,886 |
| Rent needed to cover that payment | $1,900 |
| Coverage of a 3-bedroom at fair market rent | 0.70 |
| Highest price a 3-bedroom at fair market rent covers | about $210,000 |
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 Fannin County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Fannin County?
The most active investment-property lenders in Fannin County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; PENNYMAC LOAN SERVICES, LLC; and ANGEL OAK MORTGAGE SOLUTIONS LLC, out of 80 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 two that reported in Fannin County, and matches each file to the one most likely to fund it.
Fannin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 187 loans and $95.1M from 80 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Fannin County with 17 loans, 9.1% of the county's total, and the average Fannin County loan of $509K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | $7.4M | $435K | 82.4% |
| PENNYMAC LOAN SERVICES, LLC | 13 | $6.1M | $470K | 84.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | $5.2M | $583K | 100.0% |
| A&D Mortgage LLC | 6 | $3.5M | $587K | 66.7% |
| CHAMPIONS FUNDING, LLC | 6 | $3.5M | $585K | 33.3% |
| Bank OZK | 6 | $1.6M | $262K | 83.3% |
| NEWREZ LLC | 5 | $2.9M | $581K | 80.0% |
| THE LOAN STORE, INC. | 5 | $2.3M | $469K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $2.2M | $441K | 100.0% |
| KIND LENDING, LLC | 5 | $1.8M | $351K | 80.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $2.7M | $678K | 75.0% |
| FirstBank | 4 | $2.5M | $635K | 75.0% |
| Rocket Mortgage, LLC | 4 | $2.4M | $595K | 100.0% |
| United Community Bank | 4 | $1.3M | $328K | 75.0% |
| Morgan Stanley Private Bank, National Association | 3 | $3.2M | $1052K | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | $2.0M | $658K | 66.7% |
| GUARANTEED RATE, INC. | 3 | $2.0M | $652K | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 3 | $1.7M | $562K | 66.7% |
| Tomo Mortgage, LLC | 3 | $1.5M | $512K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $1.5M | $488K | 33.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | $1.4M | $455K | 33.3% |
| Citadel Servicing Corporation | 3 | $1.0M | $348K | 66.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | $1.3M | $660K | 50.0% |
| Prosperity Home Mortgage, LLC | 2 | $1.2M | $615K | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | $1.2M | $610K | 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 Fannin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Fannin County CSV, all 25 lenders
What Fannin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fannin County's fix-and-flip and bridge lenders barely appear among its 80 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 some 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 Fannin County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fannin 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 — Fannin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 80 lenders and 187 loans: 2025 HMDA loan-level data rolled up to Fannin County.
- Fannin County investor-lender dataset (CSV) — All 25 lenders in the Fannin County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Fannin 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 Fannin County, GA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Fannin 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.