DSCR Loans in Lowndes County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 57 lenders made 436 investment-property loans in Lowndes County, 2.0% of Georgia's total. Dominick Prevete arranges DSCR loans across Lowndes 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 $240,000.
Lowndes County investor market at a glance
| Statistic | Lowndes County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 436 | 21,364 | 11th of 43 |
| Reporting lenders | 57 | 586 | 31st of 43 |
| Loan volume | $64.8M | $5.33B | 17th of 43 |
| Average loan | $149K | $249K | 39th of 43 |
| Median loan | $125K | $205K | 38th of 43 |
| Purchases | 53.2% | 57.3% | 32nd of 43 |
| Cash-out refinances | 13.3% | 17.5% | 29th of 43 |
| 2–4 unit properties | 19.3% | 10.0% | 5th of 43 |
| Top five lenders' share | 47.9% | 18.5% | 6th of 43 |
| Reported business-purpose | 48.4% | 65.7% | 39th of 43 |
Lowndes County: closed-end loans on 1–4 unit investment properties. Lowndes County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lowndes County's investor loans.
What stands out in Lowndes County
The median investor loan in Lowndes County was $125K, the 3rd-lowest median of Georgia's 43 counties with published data (statewide: $205K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
48.4% of Lowndes County's investor loans were reported as business-purpose, the 5th-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.
19.3% of Lowndes County's investor loans financed a 2–4 unit property, the 5th-highest share of Georgia's 43 counties with published data (statewide: 10.0%).
2–4 unit properties are a larger share here than in most of Georgia. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Lowndes County?
At HUD's fair market rent of $1,575 for a 3-bedroom in Lowndes County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Lowndes County's median home value is $215,600; at that price the payment is $1,412 a month, so the property would need $1,425 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) | $1,179 / $1,575 / $1,923 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $215,600 |
| Median property taxes and effective rate | $1,750 (0.81% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,412 |
| Rent needed to cover that payment | $1,425 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $355,000 |
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 Lowndes County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lowndes County?
The most active investment-property lenders in Lowndes County in 2025 HMDA data were Bank OZK, Farmers & Merchants Bank and Guardian Bank, out of 57 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 Lowndes County, and matches each file to the one most likely to fund it.
Lowndes County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 436 loans and $64.8M from 57 lenders. Bank OZK led Lowndes County with 51 loans, 11.7% of the county's total, and the average Lowndes County loan of $149K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Bank OZK | 51 | $5.4M | $107K | 98.0% |
| Farmers & Merchants Bank | 46 | $6.2M | $134K | 37.0% |
| Guardian Bank | 42 | $6.3M | $150K | 26.2% |
| COMMERCIAL BANKING COMPANY | 36 | $5.1M | $142K | 66.7% |
| Citizens Community Bank | 34 | $4.8M | $141K | 67.6% |
| CONSTRUCTIVE LOANS, LLC | 31 | $3.0M | $97K | 0.0% |
| First Federal Savings and Loan Association of Valdosta | 30 | $6.1M | $204K | 66.7% |
| SOUTHEASTERN CREDIT UNION | 27 | $3.9M | $145K | 44.4% |
| Renasant Bank | 17 | $3.6M | $211K | 52.9% |
| BPL MORTGAGE TRUST, LLC | 15 | $2.0M | $136K | 40.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | $1.3M | $111K | 75.0% |
| FIRST COMMERCE CREDIT UNION | 8 | $1.6M | $196K | 12.5% |
| Rocket Mortgage, LLC | 7 | $1.3M | $185K | 71.4% |
| COLONY BANK | 7 | $1.1M | $159K | 42.9% |
| KIND LENDING, LLC | 6 | $0.8M | $133K | 100.0% |
| Ameris Bank | 5 | $0.6M | $119K | 40.0% |
| Thomasville National Bank | 4 | $0.6M | $153K | 75.0% |
| GUARANTEED RATE, INC. | 3 | $0.6M | $202K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.5M | $162K | 33.3% |
| BANKSOUTH MORTGAGE COMPANY, LLC | 3 | $0.4M | $145K | 66.7% |
| First Port City Bank | 3 | $0.3M | $112K | 66.7% |
| The Citizens National Bank of Quitman | 3 | $0.3M | $102K | 33.3% |
| A&D Mortgage LLC | 2 | $1.2M | $585K | 100.0% |
| Five Star Credit Union | 2 | $0.6M | $275K | 50.0% |
| NEWREZ LLC | 2 | $0.4M | $195K | 50.0% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lowndes County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lowndes County CSV, all 25 lenders
What Lowndes County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lowndes County's fix-and-flip and bridge lenders barely appear among its 57 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 Lowndes County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lowndes 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 — Lowndes County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 57 lenders and 436 loans: 2025 HMDA loan-level data rolled up to Lowndes County.
- Lowndes County investor-lender dataset (CSV) — All 25 lenders in the Lowndes County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lowndes 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 Valdosta, GA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lowndes 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.