DSCR Loans in Liberty County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 55 lenders made 198 investment-property loans in Liberty County, 0.9% of Georgia's total. Dominick Prevete arranges DSCR loans across Liberty 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 $265,000.
Liberty County investor market at a glance
| Statistic | Liberty County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 198 | 21,364 | 22nd of 43 |
| Reporting lenders | 55 | 586 | 32nd of 43 |
| Loan volume | $30.9M | $5.33B | 31st of 43 |
| Average loan | $156K | $249K | 37th of 43 |
| Median loan | $155K | $205K | 34th of 43 |
| Purchases | 49.5% | 57.3% | 37th of 43 |
| Cash-out refinances | 26.8% | 17.5% | 4th of 43 |
| 2–4 unit properties | 6.6% | 10.0% | 26th of 43 |
| Top five lenders' share | 49.5% | 18.5% | 5th of 43 |
| Reported business-purpose | 58.1% | 65.7% | 30th of 43 |
Liberty County: closed-end loans on 1–4 unit investment properties. Liberty County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Liberty County's investor loans.
What stands out in Liberty County
26.8% of Liberty County's investor loans were cash-out refinances, the 4th-highest share of Georgia's 43 counties with published data (statewide: 17.5%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The five most active lenders wrote 49.5% of Liberty County's investor loans, the 5th-highest share of Georgia's 43 counties with published data (statewide: 18.5%).
Five lenders write 49.5% of the loans here, so comparing written term sheets matters more.
The average investor loan in Liberty County was $156K, the 7th-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 Liberty County?
At HUD's fair market rent of $1,815 for a 3-bedroom in Liberty County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $265,000, with 20% down at the 7.25% starting rate (November 2026). Liberty County's median home value is $201,500; at that price the payment is $1,358 a month, so the property would need $1,375 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) | $1,396 / $1,815 / $2,333 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $201,500 |
| Median property taxes and effective rate | $2,087 (1.04% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,358 |
| Rent needed to cover that payment | $1,375 |
| Coverage of a 3-bedroom at fair market rent | 1.34 |
| Highest price a 3-bedroom at fair market rent covers | about $265,000 |
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 Liberty County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Liberty County?
The most active investment-property lenders in Liberty County in 2025 HMDA data were Glennville Bank, Citadel Servicing Corporation and South Georgia Bank, out of 55 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 Liberty County, and matches each file to the one most likely to fund it.
Liberty County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 198 loans and $30.9M from 55 lenders. Glennville Bank led Liberty County with 36 loans, 18.2% of the county's total, and the average Liberty County loan of $156K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Glennville Bank | 36 | $5.3M | $148K | 52.8% |
| Citadel Servicing Corporation | 24 | $3.8M | $157K | 0.0% |
| South Georgia Bank | 17 | $2.8M | $166K | 64.7% |
| General Mortgage Capital Corporation | 11 | $1.9M | $170K | 100.0% |
| LENDINGONE, LLC | 10 | $1.8M | $179K | 60.0% |
| Rocket Mortgage, LLC | 8 | $1.5M | $183K | 12.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $1.0M | $145K | 57.1% |
| PrimeSouth Bank | 6 | $0.8M | $142K | 83.3% |
| Ameris Bank | 5 | $0.8M | $165K | 80.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.0M | $243K | 75.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $0.7M | $165K | 25.0% |
| Great Oaks Bank | 4 | $0.5M | $123K | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | $0.5M | $120K | 25.0% |
| Renasant Bank | 4 | $0.2M | $58K | 0.0% |
| Kiavi Funding, Inc. | 3 | $0.6M | $188K | 100.0% |
| NEWREZ LLC | 3 | $0.5M | $168K | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.4M | $138K | 100.0% |
| Southeastern Bank | 2 | $0.6M | $275K | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | $0.4M | $190K | 0.0% |
| CONVENTUS LLC | 2 | $0.3M | $175K | 50.0% |
| Investmark Mortgage, LLC | 2 | $0.3M | $160K | 100.0% |
| GUILD MORTGAGE COMPANY | 2 | $0.3M | $140K | 50.0% |
| Mortgage Research Center, LLC | 2 | $0.3M | $140K | 100.0% |
| 21st Mortgage Corporation | 2 | $0.2M | $115K | 100.0% |
| Bank of Newington | 1 | $0.2M | $245K | 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 Liberty County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Liberty County CSV, all 25 lenders
What Liberty County's table can't show you: fit. Short-term financing is exempt from HMDA, so Liberty County's fix-and-flip and bridge lenders barely appear among its 55 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 Liberty County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Liberty 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 — Liberty County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 55 lenders and 198 loans: 2025 HMDA loan-level data rolled up to Liberty County.
- Liberty County investor-lender dataset (CSV) — All 25 lenders in the Liberty County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Liberty 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 Hinesville, GA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Liberty 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.