DSCR Loans in Paulding County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 76 lenders made 185 investment-property loans in Paulding County, 0.9% of Georgia's total. Dominick Prevete arranges DSCR loans across Paulding 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 $320,000.
Paulding County investor market at a glance
| Statistic | Paulding County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 185 | 21,364 | 24th of 43 |
| Reporting lenders | 76 | 586 | 20th of 43 |
| Loan volume | $41.7M | $5.33B | 26th of 43 |
| Average loan | $226K | $249K | 24th of 43 |
| Median loan | $225K | $205K | 14th of 43 |
| Purchases | 73.0% | 57.3% | 5th of 43 |
| Cash-out refinances | 15.7% | 17.5% | 23rd of 43 |
| 2–4 unit properties | 1.6% | 10.0% | 41st of 43 |
| Top five lenders' share | 33.5% | 18.5% | 25th of 43 |
| Reported business-purpose | 75.1% | 65.7% | 10th of 43 |
Paulding County: closed-end loans on 1–4 unit investment properties. Paulding County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Paulding County's investor loans.
What stands out in Paulding County
1.6% of Paulding County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Georgia's 43 counties with published data (statewide: 10.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
73.0% of Paulding County's investor loans were purchases, the 5th-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.
By share of investor loans reported as business-purpose, Paulding County ranks 10th-highest of Georgia's 43 counties with published data (statewide: 65.7%).
75.1% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Paulding County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Paulding County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Paulding County's median home value is $326,300; at that price the payment is $2,135 a month, so the property would need $2,150 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) | $326,300 |
| Median property taxes and effective rate | $2,619 (0.80% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,135 |
| Rent needed to cover that payment | $2,150 |
| Coverage of a 3-bedroom at fair market rent | 0.98 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
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 Paulding County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Paulding County?
The most active investment-property lenders in Paulding County in 2025 HMDA data were Kiavi Funding, Inc.; DHI MORTGAGE COMPANY, LTD.; and LENDINGONE, LLC, out of 76 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 Paulding County, and matches each file to the one most likely to fund it.
Paulding County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 185 loans and $41.7M from 76 lenders. Kiavi Funding, Inc. led Paulding County with 26 loans, 14.1% of the county's total, and the average Paulding County loan of $226K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 26 | $6.0M | $233K | 84.6% |
| DHI MORTGAGE COMPANY, LTD. | 9 | $2.6M | $287K | 100.0% |
| LENDINGONE, LLC | 9 | $2.1M | $235K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $1.9M | $213K | 55.6% |
| First Option Mortgage, LLC | 9 | $1.5M | $164K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.4M | $206K | 85.7% |
| THE LOAN STORE, INC. | 6 | $1.4M | $242K | 66.7% |
| ALAMEDA MORTGAGE CORPORATION | 6 | $1.0M | $162K | 100.0% |
| Fairway Independent Mortgage Corporation | 5 | $1.0M | $195K | 80.0% |
| DIRECT LENDERS, LLC | 5 | $0.8M | $159K | 80.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.1M | $278K | 25.0% |
| GUILD MORTGAGE COMPANY | 4 | $0.8M | $205K | 75.0% |
| SWBC MORTGAGE CORPORATION | 3 | $0.7M | $242K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.6M | $192K | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | $0.6M | $188K | 33.3% |
| LIMA ONE CAPITAL, LLC | 2 | $1.1M | $570K | 50.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | $0.6M | $320K | 0.0% |
| OCMBC, INC. | 2 | $0.6M | $315K | 50.0% |
| LEI:254900F4GAYA092QOZ09 | 2 | $0.5M | $270K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.5M | $250K | 50.0% |
| NEXERA HOLDING LLC | 2 | $0.5M | $250K | 50.0% |
| Easy Street Capital, LLC | 2 | $0.5M | $245K | 0.0% |
| AMWEST FUNDING CORP. | 2 | $0.5M | $245K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.5M | $245K | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | $0.5M | $230K | 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 Paulding County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Paulding County CSV, all 25 lenders
What Paulding County's table can't show you: fit. Short-term financing is exempt from HMDA, so Paulding County's fix-and-flip and bridge lenders barely appear among its 76 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 Paulding County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Paulding 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 — Paulding County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 76 lenders and 185 loans: 2025 HMDA loan-level data rolled up to Paulding County.
- Paulding County investor-lender dataset (CSV) — All 25 lenders in the Paulding County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Paulding 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 — Paulding 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.