DSCR Loans in Muscogee County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 121 lenders made 588 investment-property loans in Muscogee County, 2.8% of Georgia's total. Dominick Prevete arranges DSCR loans across Muscogee 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.
Muscogee County investor market at a glance
| Statistic | Muscogee County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 588 | 21,364 | 7th of 43 |
| Reporting lenders | 121 | 586 | 8th of 43 |
| Loan volume | $84.7M | $5.33B | 14th of 43 |
| Average loan | $144K | $249K | 40th of 43 |
| Median loan | $125K | $205K | 38th of 43 |
| Purchases | 61.4% | 57.3% | 22nd of 43 |
| Cash-out refinances | 18.2% | 17.5% | 17th of 43 |
| 2–4 unit properties | 13.8% | 10.0% | 12th of 43 |
| Top five lenders' share | 34.5% | 18.5% | 21st of 43 |
| Reported business-purpose | 80.4% | 65.7% | 5th of 43 |
Muscogee County: closed-end loans on 1–4 unit investment properties. Muscogee County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Muscogee County's investor loans.
What stands out in Muscogee County
The median investor loan in Muscogee 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.
By share of investor loans reported as business-purpose, Muscogee County ranks 5th-highest of Georgia's 43 counties with published data (statewide: 65.7%).
80.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Muscogee County?
At HUD's fair market rent of $1,611 for a 3-bedroom in Muscogee 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). Muscogee County's median home value is $193,900; at that price the payment is $1,277 a month, so the property would need $1,300 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) | $1,212 / $1,611 / $1,876 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $193,900 |
| Median property taxes and effective rate | $1,660 (0.86% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,277 |
| Rent needed to cover that payment | $1,300 |
| Coverage of a 3-bedroom at fair market rent | 1.26 |
| 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 $365,000 |
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 Muscogee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Muscogee County?
The most active investment-property lenders in Muscogee County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and FirstBank, out of 121 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 Muscogee County, and matches each file to the one most likely to fund it.
Muscogee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 588 loans and $84.7M from 121 lenders. Kiavi Funding, Inc. led Muscogee County with 107 loans, 18.2% of the county's total, and the average Muscogee County loan of $144K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 107 | $15.8M | $148K | 67.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 40 | $5.1M | $127K | 62.5% |
| FirstBank | 20 | $2.9M | $143K | 60.0% |
| Rocket Mortgage, LLC | 19 | $2.4M | $126K | 52.6% |
| OCMBC, INC. | 17 | $2.3M | $137K | 94.1% |
| BPL MORTGAGE TRUST, LLC | 17 | $1.8M | $107K | 29.4% |
| DEEPHAVEN MORTGAGE LLC | 12 | $1.9M | $161K | 25.0% |
| Renasant Bank | 12 | $1.6M | $132K | 50.0% |
| GUARANTEED RATE, INC. | 12 | $1.4M | $113K | 66.7% |
| DOMINION FINANCIAL SERVICES, LLC | 11 | $1.4M | $130K | 81.8% |
| CMG MORTGAGE, INC. | 11 | $1.4M | $124K | 81.8% |
| AMERICAN HERITAGE LENDING, LLC | 11 | $1.1M | $100K | 18.2% |
| Loan Funder LLC | 11 | $1.0M | $94K | 63.6% |
| Synovus Bank | 10 | $1.2M | $124K | 70.0% |
| First Peoples Bank | 9 | $1.7M | $193K | 77.8% |
| Hometown Equity Mortgage, LLC | 9 | $1.6M | $176K | 44.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | $1.3M | $141K | 88.9% |
| AMWEST FUNDING CORP. | 8 | $1.0M | $121K | 75.0% |
| THE LOAN STORE, INC. | 7 | $1.0M | $138K | 57.1% |
| Prosperity Home Mortgage, LLC | 7 | $0.7M | $102K | 100.0% |
| CANOPY MORTGAGE, LLC | 7 | $0.6M | $85K | 100.0% |
| LIMA ONE CAPITAL, LLC | 6 | $1.0M | $173K | 66.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | $0.9M | $158K | 33.3% |
| Fairway Independent Mortgage Corporation | 6 | $0.8M | $137K | 100.0% |
| Easy Street Capital, LLC | 6 | $0.8M | $135K | 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 Muscogee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Muscogee County CSV, all 25 lenders
What Muscogee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Muscogee County's fix-and-flip and bridge lenders barely appear among its 121 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 Muscogee County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Muscogee 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 — Muscogee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 121 lenders and 588 loans: 2025 HMDA loan-level data rolled up to Muscogee County.
- Muscogee County investor-lender dataset (CSV) — All 25 lenders in the Muscogee County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Muscogee 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 Columbus, GA-AL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Muscogee 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.