DSCR Loans in Gwinnett County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 233 lenders made 1,816 investment-property loans in Gwinnett County, 8.5% of Georgia's total. Dominick Prevete arranges DSCR loans across Gwinnett 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 $310,000.
Gwinnett County investor market at a glance
| Statistic | Gwinnett County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 1,816 | 21,364 | 2nd of 43 |
| Reporting lenders | 233 | 586 | 2nd of 43 |
| Loan volume | $512.7M | $5.33B | 2nd of 43 |
| Average loan | $282K | $249K | 13th of 43 |
| Median loan | $275K | $205K | 6th of 43 |
| Purchases | 70.8% | 57.3% | 7th of 43 |
| Cash-out refinances | 16.1% | 17.5% | 20th of 43 |
| 2–4 unit properties | 5.7% | 10.0% | 29th of 43 |
| Top five lenders' share | 25.8% | 18.5% | 37th of 43 |
| Reported business-purpose | 70.4% | 65.7% | 17th of 43 |
Gwinnett County: closed-end loans on 1–4 unit investment properties. Gwinnett County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Gwinnett County's investor loans.
What stands out in Gwinnett County
The median investor loan in Gwinnett County was $275K, the 6th-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.
70.8% of Gwinnett County's investor loans were purchases, the 7th-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.
The five most active lenders wrote 25.8% of Gwinnett County's investor loans, the 7th-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.
Does a DSCR loan pencil in Gwinnett County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Gwinnett County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $310,000, with 20% down at the 7.25% starting rate (November 2026). Gwinnett County's median home value is $380,900; at that price the payment is $2,539 a month, so the property would need $2,550 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) | $380,900 |
| Median property taxes and effective rate | $3,617 (0.95% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,539 |
| Rent needed to cover that payment | $2,550 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $310,000 |
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 Gwinnett County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Gwinnett County?
The most active investment-property lenders in Gwinnett County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; AMWEST FUNDING CORP.; and First Option Mortgage, LLC, out of 233 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 Gwinnett County, and matches each file to the one most likely to fund it.
Gwinnett County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,816 loans and $512.7M from 233 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Gwinnett County with 164 loans, 9.0% of the county's total, and the average Gwinnett County loan of $282K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 164 | $44.5M | $271K | 64.6% |
| AMWEST FUNDING CORP. | 92 | $24.5M | $267K | 79.3% |
| First Option Mortgage, LLC | 77 | $15.8M | $205K | 93.5% |
| Rocket Mortgage, LLC | 74 | $19.9M | $268K | 44.6% |
| PENNYMAC LOAN SERVICES, LLC | 61 | $19.3M | $316K | 63.9% |
| Kiavi Funding, Inc. | 52 | $15.0M | $289K | 76.9% |
| Metro City Bank | 44 | $11.3M | $258K | 95.5% |
| Taylor Morrison Home Funding, Inc. | 40 | $12.4M | $311K | 100.0% |
| THE LOAN STORE, INC. | 40 | $11.9M | $298K | 67.5% |
| General Mortgage Capital Corporation | 36 | $9.7M | $269K | 77.8% |
| DHI MORTGAGE COMPANY, LTD. | 35 | $10.7M | $305K | 100.0% |
| Ameris Bank | 33 | $9.5M | $288K | 78.8% |
| Loandepot.Com, LLC | 31 | $9.5M | $307K | 96.8% |
| CHAMPIONS FUNDING, LLC | 31 | $9.3M | $300K | 64.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 28 | $8.0M | $285K | 78.6% |
| East West Bank | 28 | $7.1M | $252K | 71.4% |
| Hometown Equity Mortgage, LLC | 25 | $8.4M | $336K | 80.0% |
| ALAMEDA MORTGAGE CORPORATION | 25 | $4.4M | $175K | 92.0% |
| Easy Street Capital, LLC | 22 | $6.2M | $281K | 0.0% |
| NEW WAVE LENDING GROUP INC | 20 | $5.6M | $279K | 80.0% |
| HOMEXPRESS MORTGAGE CORP. | 19 | $5.9M | $308K | 21.1% |
| LEI:9845007CY0EC0F59W414 | 19 | $5.4M | $285K | 73.7% |
| Citadel Servicing Corporation | 19 | $4.9M | $260K | 57.9% |
| AAA CAPITAL INVESTMENT, INC. | 19 | $4.7M | $249K | 84.2% |
| A&D Mortgage LLC | 17 | $4.9M | $290K | 70.6% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Gwinnett County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Gwinnett County CSV, all 25 lenders
What Gwinnett County's table can't show you: fit. Short-term financing is exempt from HMDA, so Gwinnett County's fix-and-flip and bridge lenders barely appear among its 233 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 Gwinnett County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Gwinnett 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 — Gwinnett County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 233 lenders and 1,816 loans: 2025 HMDA loan-level data rolled up to Gwinnett County.
- Gwinnett County investor-lender dataset (CSV) — All 25 lenders in the Gwinnett County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Gwinnett 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 — Gwinnett 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.