DSCR Loans in Richmond County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 107 lenders made 571 investment-property loans in Richmond County, 2.7% of Georgia's total. Dominick Prevete arranges DSCR loans across Richmond 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 $250,000.
Richmond County investor market at a glance
| Statistic | Richmond County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 571 | 21,364 | 8th of 43 |
| Reporting lenders | 107 | 586 | 11th of 43 |
| Loan volume | $86.8M | $5.33B | 13th of 43 |
| Average loan | $152K | $249K | 38th of 43 |
| Median loan | $125K | $205K | 38th of 43 |
| Purchases | 47.3% | 57.3% | 40th of 43 |
| Cash-out refinances | 24.7% | 17.5% | 6th of 43 |
| 2–4 unit properties | 9.8% | 10.0% | 19th of 43 |
| Top five lenders' share | 28.5% | 18.5% | 32nd of 43 |
| Reported business-purpose | 73.7% | 65.7% | 14th of 43 |
Richmond County: closed-end loans on 1–4 unit investment properties. Richmond County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Richmond County's investor loans.
What stands out in Richmond County
The median investor loan in Richmond 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.
47.3% of Richmond County's investor loans were purchases, the 4th-lowest share of Georgia's 43 counties with published data (statewide: 57.3%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
24.7% of Richmond County's investor loans were cash-out refinances, the 6th-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.
Does a DSCR loan pencil in Richmond County?
At HUD's fair market rent of $1,672 for a 3-bedroom in Richmond County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Richmond County's median home value is $178,500; at that price the payment is $1,174 a month, so the property would need $1,175 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) | $1,329 / $1,672 / $2,035 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $178,500 |
| Median property taxes and effective rate | $1,508 (0.84% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,174 |
| Rent needed to cover that payment | $1,175 |
| Coverage of a 3-bedroom at fair market rent | 1.42 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
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 Richmond County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Richmond County?
The most active investment-property lenders in Richmond County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Cornerstone First Mortgage, Inc, out of 107 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 Richmond County, and matches each file to the one most likely to fund it.
Richmond County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 571 loans and $86.8M from 107 lenders. Kiavi Funding, Inc. led Richmond County with 45 loans, 7.9% of the county's total, and the average Richmond County loan of $152K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 45 | $6.2M | $137K | 53.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 42 | $5.1M | $121K | 33.3% |
| Cornerstone First Mortgage, Inc | 28 | $4.1M | $148K | 0.0% |
| Rocket Mortgage, LLC | 28 | $3.4M | $122K | 46.4% |
| Queensborough National Bank & Trust Company | 20 | $2.8M | $142K | 80.0% |
| PINNACLE BANK | 18 | $3.2M | $177K | 88.9% |
| BPL MORTGAGE TRUST, LLC | 15 | $1.9M | $127K | 26.7% |
| LENDINGONE, LLC | 15 | $1.8M | $119K | 40.0% |
| LIMA ONE CAPITAL, LLC | 14 | $1.5M | $105K | 50.0% |
| F&M Bank | 13 | $3.7M | $283K | 23.1% |
| CV3 FINANCIAL SERVICES, LLC | 11 | $1.9M | $176K | 81.8% |
| GUILD MORTGAGE COMPANY | 11 | $1.7M | $151K | 81.8% |
| First State Bank | 11 | $1.5M | $140K | 36.4% |
| Paramount Residential Mortgage Group, Inc. | 11 | $1.4M | $123K | 9.1% |
| SRP Federal Credit Union | 11 | $1.2M | $112K | 18.2% |
| SouthState Bank, National Association | 10 | $1.5M | $152K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 10 | $1.3M | $128K | 0.0% |
| South Georgia Bank | 9 | $3.1M | $348K | 11.1% |
| Security Federal Bank | 9 | $1.3M | $144K | 100.0% |
| General Mortgage Capital Corporation | 9 | $1.3M | $141K | 100.0% |
| Loan Funder LLC | 9 | $1.3M | $139K | 55.6% |
| Easy Street Capital, LLC | 9 | $1.2M | $137K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 9 | $0.9M | $104K | 88.9% |
| Ameris Bank | 8 | $1.3M | $156K | 75.0% |
| First Community Bank | 7 | $1.8M | $256K | 71.4% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Richmond County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Richmond County CSV, all 25 lenders
What Richmond County's table can't show you: fit. Short-term financing is exempt from HMDA, so Richmond County's fix-and-flip and bridge lenders barely appear among its 107 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 Richmond County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Richmond 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 — Richmond County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 107 lenders and 571 loans: 2025 HMDA loan-level data rolled up to Richmond County.
- Richmond County investor-lender dataset (CSV) — All 25 lenders in the Richmond County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Richmond 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 Augusta-Richmond County, GA-SC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Richmond 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.