DSCR Loans in Floyd 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, 64 lenders made 263 investment-property loans in Floyd County, 1.2% of Georgia's total. Dominick Prevete arranges DSCR loans across Floyd 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 $235,000.
Floyd County investor market at a glance
| Statistic | Floyd County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 263 | 21,364 | 19th of 43 |
| Reporting lenders | 64 | 586 | 28th of 43 |
| Loan volume | $45.5M | $5.33B | 24th of 43 |
| Average loan | $173K | $249K | 34th of 43 |
| Median loan | $165K | $205K | 30th of 43 |
| Purchases | 66.9% | 57.3% | 11th of 43 |
| Cash-out refinances | 12.9% | 17.5% | 30th of 43 |
| 2–4 unit properties | 13.3% | 10.0% | 14th of 43 |
| Top five lenders' share | 51.7% | 18.5% | 4th of 43 |
| Reported business-purpose | 66.9% | 65.7% | 23rd of 43 |
Floyd County: closed-end loans on 1–4 unit investment properties. Floyd County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Floyd County's investor loans.
What stands out in Floyd County
The five most active lenders wrote 51.7% of Floyd County's investor loans, the 4th-highest share of Georgia's 43 counties with published data (statewide: 18.5%).
Five lenders write 51.7% of the loans here, so comparing written term sheets matters more.
The average investor loan in Floyd County was $173K, the 10th-lowest average of Georgia's 43 counties with published data (statewide: $249K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Floyd County?
At HUD's fair market rent of $1,576 for a 3-bedroom in Floyd County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Floyd County's median home value is $217,900; at that price the payment is $1,434 a month, so the property would need $1,450 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) | $1,204 / $1,576 / $1,582 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $217,900 |
| Median property taxes and effective rate | $1,847 (0.85% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,434 |
| Rent needed to cover that payment | $1,450 |
| Coverage of a 3-bedroom at fair market rent | 1.10 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $365,000 |
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 Floyd County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Floyd County?
The most active investment-property lenders in Floyd County in 2025 HMDA data were DHI MORTGAGE COMPANY, LTD.; Kiavi Funding, Inc.; and River City Bank, out of 64 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 one that reported in Floyd County, and matches each file to the one most likely to fund it.
Floyd County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 263 loans and $45.5M from 64 lenders. DHI MORTGAGE COMPANY, LTD. led Floyd County with 48 loans, 18.3% of the county's total, and the average Floyd County loan of $173K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 48 | $8.3M | $173K | 100.0% |
| Kiavi Funding, Inc. | 41 | $7.3M | $179K | 65.9% |
| River City Bank | 20 | $2.9M | $144K | 65.0% |
| First National Community Bank | 15 | $2.3M | $153K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | $1.6M | $138K | 16.7% |
| United Community Bank | 11 | $2.0M | $183K | 54.5% |
| Rocket Mortgage, LLC | 11 | $1.8M | $160K | 63.6% |
| Coosa Valley Credit Union | 8 | $1.0M | $126K | 50.0% |
| LGE COMMUNITY CREDIT UNION | 7 | $1.3M | $189K | 42.9% |
| 21st Mortgage Corporation | 6 | $0.3M | $42K | 100.0% |
| Loan Funder LLC | 4 | $1.6M | $400K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.0M | $240K | 25.0% |
| Ameris Bank | 4 | $0.6M | $148K | 50.0% |
| LEI:254900AH8L5ZM1JZET07 | 3 | $1.1M | $352K | 66.7% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.6M | $188K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | $0.5M | $178K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.5M | $162K | 100.0% |
| KIND LENDING, LLC | 3 | $0.5M | $162K | 66.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | $0.3M | $108K | 66.7% |
| Builtwell Bank | 2 | $0.8M | $420K | 0.0% |
| Archwest Funding | 2 | $0.5M | $245K | 100.0% |
| CANOPY MORTGAGE, LLC | 2 | $0.4M | $220K | 100.0% |
| NATIONSTAR MORTGAGE LLC | 2 | $0.4M | $205K | 100.0% |
| NEXERA HOLDING LLC | 2 | $0.4M | $185K | 100.0% |
| NEWREZ LLC | 2 | $0.3M | $145K | 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 Floyd County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Floyd County CSV, all 25 lenders
What Floyd County's table can't show you: fit. Short-term financing is exempt from HMDA, so Floyd County's fix-and-flip and bridge lenders barely appear among its 64 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 Floyd County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Floyd 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 — Floyd County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 64 lenders and 263 loans: 2025 HMDA loan-level data rolled up to Floyd County.
- Floyd County investor-lender dataset (CSV) — All 25 lenders in the Floyd County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Floyd 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 Rome, GA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Floyd 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.