DSCR Loans in Rockdale County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 70 lenders made 179 investment-property loans in Rockdale County, 0.8% of Georgia's total. Dominick Prevete arranges DSCR loans across Rockdale 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.
Rockdale County investor market at a glance
| Statistic | Rockdale County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 179 | 21,364 | 25th of 43 |
| Reporting lenders | 70 | 586 | 25th of 43 |
| Loan volume | $40.1M | $5.33B | 27th of 43 |
| Average loan | $224K | $249K | 25th of 43 |
| Median loan | $215K | $205K | 18th of 43 |
| Purchases | 65.9% | 57.3% | 13th of 43 |
| Cash-out refinances | 18.4% | 17.5% | 15th of 43 |
| 2–4 unit properties | 13.4% | 10.0% | 13th of 43 |
| Top five lenders' share | 34.1% | 18.5% | 22nd of 43 |
| Reported business-purpose | 78.2% | 65.7% | 7th of 43 |
Rockdale County: closed-end loans on 1–4 unit investment properties. Rockdale County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Rockdale County's investor loans.
What stands out in Rockdale County
By share of investor loans reported as business-purpose, Rockdale County ranks 7th-highest of Georgia's 43 counties with published data (statewide: 65.7%).
78.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Rockdale County's 179 investor loans ranked 25th of Georgia's 43 counties with published data.
Does a DSCR loan pencil in Rockdale County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Rockdale 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). Rockdale County's median home value is $292,900; at that price the payment is $1,893 a month, so the property would need $1,900 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) | $1,762 / $2,099 / $2,493 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $292,900 |
| Median property taxes and effective rate | $2,074 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,893 |
| Rent needed to cover that payment | $1,900 |
| Coverage of a 3-bedroom at fair market rent | 1.11 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $545,000 |
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 Rockdale County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Rockdale County?
The most active investment-property lenders in Rockdale County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and Rocket Mortgage, LLC, out of 70 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 several that reported in Rockdale County, and matches each file to the one most likely to fund it.
Rockdale County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 179 loans and $40.1M from 70 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Rockdale County with 19 loans, 10.6% of the county's total, and the average Rockdale County loan of $224K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | $5.1M | $269K | 68.4% |
| Kiavi Funding, Inc. | 18 | $4.3M | $239K | 88.9% |
| Rocket Mortgage, LLC | 9 | $2.2M | $242K | 22.2% |
| HOMEXPRESS MORTGAGE CORP. | 8 | $1.6M | $196K | 12.5% |
| TRAILBLAZER MORTGAGE L.L.C. | 7 | $1.9M | $276K | 100.0% |
| OCMBC, INC. | 7 | $1.5M | $219K | 28.6% |
| Renasant Bank | 5 | $1.0M | $209K | 100.0% |
| Loan Funder LLC | 4 | $1.3M | $318K | 75.0% |
| Citadel Servicing Corporation | 4 | $0.9M | $233K | 25.0% |
| VISTA POINT MORTGAGE, LLC | 4 | $0.7M | $185K | 100.0% |
| LENDSURE MORTGAGE CORP. | 4 | $0.7M | $180K | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | $0.6M | $215K | 66.7% |
| A&D Mortgage LLC | 3 | $0.6M | $212K | 33.3% |
| NEWREZ LLC | 3 | $0.6M | $208K | 100.0% |
| CHAMPIONS FUNDING, LLC | 3 | $0.6M | $205K | 66.7% |
| Loandepot.Com, LLC | 3 | $0.6M | $195K | 100.0% |
| Wells Fargo Bank, National Association | 3 | $0.5M | $162K | 33.3% |
| First Option Mortgage, LLC | 3 | $0.4M | $135K | 100.0% |
| EVERETT FINANCIAL, INC. | 2 | $0.7M | $345K | 100.0% |
| GEO-CORP, INC. | 2 | $0.6M | $300K | 100.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 2 | $0.6M | $300K | 100.0% |
| Commerce Home Mortgage, Inc. | 2 | $0.6M | $290K | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $0.5M | $270K | 100.0% |
| CLEAREDGE LENDING LLC | 2 | $0.5M | $245K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.5M | $245K | 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 Rockdale County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Rockdale County CSV, all 25 lenders
What Rockdale County's table can't show you: fit. Short-term financing is exempt from HMDA, so Rockdale County's fix-and-flip and bridge lenders barely appear among its 70 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 several 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 Rockdale County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Rockdale 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 — Rockdale County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 70 lenders and 179 loans: 2025 HMDA loan-level data rolled up to Rockdale County.
- Rockdale County investor-lender dataset (CSV) — All 25 lenders in the Rockdale County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Rockdale 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 — Rockdale 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.