DSCR Loans in Fulton County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 277 lenders made 2,398 investment-property loans in Fulton County, 11.2% of Georgia's total. Dominick Prevete arranges DSCR loans across Fulton 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.
Fulton County investor market at a glance
| Statistic | Fulton County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 2,398 | 21,364 | 1st of 43 |
| Reporting lenders | 277 | 586 | 1st of 43 |
| Loan volume | $815.2M | $5.33B | 1st of 43 |
| Average loan | $340K | $249K | 8th of 43 |
| Median loan | $245K | $205K | 11th of 43 |
| Purchases | 54.4% | 57.3% | 31st of 43 |
| Cash-out refinances | 23.7% | 17.5% | 9th of 43 |
| 2–4 unit properties | 7.4% | 10.0% | 23rd of 43 |
| Top five lenders' share | 25.4% | 18.5% | 40th of 43 |
| Reported business-purpose | 82.5% | 65.7% | 1st of 43 |
Fulton County: closed-end loans on 1–4 unit investment properties. Fulton County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Fulton County's investor loans.
What stands out in Fulton County
By share of investor loans reported as business-purpose, Fulton County ranks highest of Georgia's 43 counties with published data (statewide: 65.7%).
82.5% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The five most active lenders wrote 25.4% of Fulton County's investor loans, the 4th-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.
The average investor loan in Fulton County was $340K, the 8th-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.
Does a DSCR loan pencil in Fulton County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Fulton 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). Fulton County's median home value is $458,800; at that price the payment is $3,031 a month, so the property would need $3,050 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) | $458,800 |
| Median property taxes and effective rate | $4,033 (0.88% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,031 |
| Rent needed to cover that payment | $3,050 |
| Coverage of a 3-bedroom at fair market rent | 0.69 |
| 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 Fulton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Fulton County?
The most active investment-property lenders in Fulton County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Rocket Mortgage, LLC, out of 277 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 Fulton County, and matches each file to the one most likely to fund it.
Fulton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,398 loans and $815.2M from 277 lenders. Kiavi Funding, Inc. led Fulton County with 259 loans, 10.8% of the county's total, and the average Fulton County loan of $340K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 259 | $68.8M | $266K | 66.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 158 | $45.0M | $285K | 51.3% |
| Rocket Mortgage, LLC | 71 | $17.0M | $239K | 36.6% |
| CHAMPIONS FUNDING, LLC | 61 | $22.3M | $365K | 21.3% |
| Loan Funder LLC | 60 | $20.9M | $349K | 60.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 58 | $13.6M | $235K | 29.3% |
| Ameris Bank | 55 | $17.4M | $317K | 70.9% |
| OCMBC, INC. | 51 | $15.3M | $300K | 17.6% |
| HOMEXPRESS MORTGAGE CORP. | 48 | $13.6M | $283K | 8.3% |
| CV3 FINANCIAL SERVICES, LLC | 47 | $23.3M | $496K | 48.9% |
| PENNYMAC LOAN SERVICES, LLC | 47 | $14.7M | $313K | 61.7% |
| DEEPHAVEN MORTGAGE LLC | 46 | $16.0M | $347K | 28.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 43 | $33.9M | $787K | 55.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 40 | $14.3M | $358K | 75.0% |
| THE LOAN STORE, INC. | 38 | $10.7M | $282K | 68.4% |
| Easy Street Capital, LLC | 38 | $8.8M | $232K | 0.0% |
| Hometown Equity Mortgage, LLC | 35 | $13.6M | $390K | 22.9% |
| BoxCar Mortgage, LLC | 33 | $10.8M | $327K | 72.7% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 32 | $9.6M | $299K | 96.9% |
| LENDINGONE, LLC | 30 | $7.4M | $246K | 46.7% |
| BPL MORTGAGE TRUST, LLC | 26 | $8.6M | $329K | 15.4% |
| AMWEST FUNDING CORP. | 26 | $8.2M | $316K | 76.9% |
| AMERICAN HERITAGE LENDING, LLC | 26 | $7.9M | $302K | 23.1% |
| A&D Mortgage LLC | 22 | $10.6M | $483K | 77.3% |
| LIMA ONE CAPITAL, LLC | 22 | $7.2M | $326K | 90.9% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Fulton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Fulton County CSV, all 25 lenders
What Fulton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Fulton County's fix-and-flip and bridge lenders barely appear among its 277 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 Fulton County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Fulton 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 — Fulton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 277 lenders and 2,398 loans: 2025 HMDA loan-level data rolled up to Fulton County.
- Fulton County investor-lender dataset (CSV) — All 25 lenders in the Fulton County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Fulton 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 — Fulton 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.