DSCR Loans in Fayette County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 76 lenders made 152 investment-property loans in Fayette County, 0.7% of Georgia's total. Dominick Prevete arranges DSCR loans across Fayette 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.
Fayette County investor market at a glance
| Statistic | Fayette County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 152 | 21,364 | 31st of 43 |
| Reporting lenders | 76 | 586 | 20th of 43 |
| Loan volume | $55.5M | $5.33B | 21st of 43 |
| Average loan | $365K | $249K | 6th of 43 |
| Median loan | $275K | $205K | 6th of 43 |
| Purchases | 69.7% | 57.3% | 9th of 43 |
| Cash-out refinances | 19.7% | 17.5% | 13th of 43 |
| 2–4 unit properties | 7.9% | 10.0% | 21st of 43 |
| Top five lenders' share | 25.7% | 18.5% | 38th of 43 |
| Reported business-purpose | 75.0% | 65.7% | 11th of 43 |
Fayette County: closed-end loans on 1–4 unit investment properties. Fayette County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fayette County's investor loans.
What stands out in Fayette County
The average investor loan in Fayette County was $365K, the 6th-highest average of Georgia's 43 counties with published data (statewide: $249K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 25.7% of Fayette County's investor loans, the 6th-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.
69.7% of Fayette County's investor loans were purchases, the 9th-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 Fayette County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Fayette 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). Fayette County's median home value is $436,400; at that price the payment is $2,837 a month, so the property would need $2,850 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) | $436,400 |
| Median property taxes and effective rate | $3,285 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,837 |
| Rent needed to cover that payment | $2,850 |
| Coverage of a 3-bedroom at fair market rent | 0.74 |
| 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 Fayette County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Fayette County?
The most active investment-property lenders in Fayette County in 2025 HMDA data were Kiavi Funding, Inc.; Rocket Mortgage, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 76 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 Fayette County, and matches each file to the one most likely to fund it.
Fayette County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 152 loans and $55.5M from 76 lenders. Kiavi Funding, Inc. led Fayette County with 9 loans, 5.9% of the county's total, and the average Fayette County loan of $365K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 9 | $2.9M | $327K | 100.0% |
| Rocket Mortgage, LLC | 9 | $2.7M | $301K | 44.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $2.4M | $300K | 87.5% |
| LENDINGONE, LLC | 7 | $2.1M | $302K | 42.9% |
| EVERETT FINANCIAL, INC. | 6 | $1.9M | $310K | 66.7% |
| Loandepot.Com, LLC | 4 | $1.9M | $465K | 75.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.5M | $368K | 50.0% |
| Fairway Independent Mortgage Corporation | 4 | $1.3M | $323K | 75.0% |
| AMWEST FUNDING CORP. | 4 | $1.0M | $260K | 100.0% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 4 | $1.0M | $243K | 75.0% |
| CHAMPIONS FUNDING, LLC | 3 | $1.3M | $438K | 100.0% |
| OCMBC, INC. | 3 | $0.8M | $268K | 33.3% |
| DELTA COMMUNITY CREDIT UNION | 3 | $0.8M | $268K | 33.3% |
| NEWREZ LLC | 3 | $0.7M | $225K | 100.0% |
| 21st Mortgage Corporation | 3 | $0.3M | $108K | 100.0% |
| Synovus Bank | 2 | $3.0M | $1475K | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $2.3M | $1125K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $2.1M | $1035K | 50.0% |
| Citadel Servicing Corporation | 2 | $1.6M | $800K | 50.0% |
| Capital City Home Loans, LLC | 2 | $1.1M | $565K | 50.0% |
| KIND LENDING, LLC | 2 | $0.8M | $375K | 100.0% |
| Commerce Home Mortgage, Inc. | 2 | $0.7M | $370K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.7M | $345K | 0.0% |
| NFM, INC. | 2 | $0.6M | $295K | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | $0.6M | $275K | 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 Fayette County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Fayette County CSV, all 25 lenders
What Fayette County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fayette County's fix-and-flip and bridge lenders barely appear among its 76 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 Fayette County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fayette 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 — Fayette County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 76 lenders and 152 loans: 2025 HMDA loan-level data rolled up to Fayette County.
- Fayette County investor-lender dataset (CSV) — All 25 lenders in the Fayette County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Fayette 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 — Fayette 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.