DSCR Loans in Glynn County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 77 lenders made 282 investment-property loans in Glynn County, 1.3% of Georgia's total. Dominick Prevete arranges DSCR loans across Glynn 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 $255,000.
Glynn County investor market at a glance
| Statistic | Glynn County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 282 | 21,364 | 17th of 43 |
| Reporting lenders | 77 | 586 | 19th of 43 |
| Loan volume | $101.3M | $5.33B | 9th of 43 |
| Average loan | $359K | $249K | 7th of 43 |
| Median loan | $185K | $205K | 26th of 43 |
| Purchases | 60.3% | 57.3% | 24th of 43 |
| Cash-out refinances | 8.2% | 17.5% | 41st of 43 |
| 2–4 unit properties | 14.9% | 10.0% | 8th of 43 |
| Top five lenders' share | 42.2% | 18.5% | 13th of 43 |
| Reported business-purpose | 48.9% | 65.7% | 37th of 43 |
Glynn County: closed-end loans on 1–4 unit investment properties. Glynn County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Glynn County's investor loans.
What stands out in Glynn County
8.2% of Glynn County's investor loans were cash-out refinances, the 3rd-lowest share of Georgia's 43 counties with published data (statewide: 17.5%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
48.9% of Glynn County's investor loans were reported as business-purpose, the 7th-lowest share of Georgia's 43 counties with published data (statewide: 65.7%).
Fewer investor loans here were reported as business-purpose than in most of Georgia. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The average investor loan in Glynn County was $359K, the 7th-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 Glynn County?
At HUD's fair market rent of $1,642 for a 3-bedroom in Glynn County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Glynn County's median home value is $301,300; at that price the payment is $1,912 a month, so the property would need $1,925 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) | $1,378 / $1,642 / $1,938 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $301,300 |
| Median property taxes and effective rate | $1,708 (0.57% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,912 |
| Rent needed to cover that payment | $1,925 |
| Coverage of a 3-bedroom at fair market rent | 0.86 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $430,000 |
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 Glynn County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Glynn County?
The most active investment-property lenders in Glynn County in 2025 HMDA data were Southeastern Bank, South Coast Bank & Trust and PrimeSouth Bank, out of 77 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 Glynn County, and matches each file to the one most likely to fund it.
Glynn County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 282 loans and $101.3M from 77 lenders. Southeastern Bank led Glynn County with 41 loans, 14.5% of the county's total, and the average Glynn County loan of $359K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Southeastern Bank | 41 | $7.2M | $176K | 56.1% |
| South Coast Bank & Trust | 27 | $6.0M | $223K | 59.3% |
| PrimeSouth Bank | 22 | $14.9M | $677K | 54.5% |
| Kiavi Funding, Inc. | 19 | $6.0M | $318K | 42.1% |
| Thomasville National Bank | 10 | $11.0M | $1096K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | $3.5M | $354K | 40.0% |
| Renasant Bank | 9 | $1.1M | $122K | 22.2% |
| Rocket Mortgage, LLC | 8 | $2.4M | $299K | 87.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 8 | $2.3M | $281K | 87.5% |
| Marshland Credit Union | 8 | $1.7M | $210K | 12.5% |
| NexBank | 6 | $3.3M | $553K | 66.7% |
| KIND LENDING, LLC | 6 | $1.6M | $263K | 83.3% |
| Capital City Home Loans, LLC | 5 | $2.2M | $439K | 100.0% |
| LENDINGONE, LLC | 5 | $0.6M | $125K | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | $1.1M | $268K | 100.0% |
| Cornerstone First Mortgage, Inc | 4 | $1.0M | $240K | 50.0% |
| United Community Bank | 4 | $0.6M | $145K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $0.6M | $143K | 100.0% |
| Ameris Bank | 4 | $0.5M | $118K | 75.0% |
| NEWREZ LLC | 3 | $0.9M | $305K | 100.0% |
| CLEAREDGE LENDING LLC | 3 | $0.7M | $245K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.6M | $192K | 66.7% |
| Glennville Bank | 3 | $0.2M | $68K | 0.0% |
| Great Oaks Bank | 2 | $4.4M | $2185K | 100.0% |
| Goldman Sachs Bank USA | 2 | $1.8M | $895K | 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 Glynn County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Glynn County CSV, all 25 lenders
What Glynn County's table can't show you: fit. Short-term financing is exempt from HMDA, so Glynn County's fix-and-flip and bridge lenders barely appear among its 77 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 Glynn County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Glynn 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 — Glynn County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 77 lenders and 282 loans: 2025 HMDA loan-level data rolled up to Glynn County.
- Glynn County investor-lender dataset (CSV) — All 25 lenders in the Glynn County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Glynn 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 Brunswick-St. Simons, GA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Glynn 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.