DSCR Loans in Troup County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 48 lenders made 123 investment-property loans in Troup County, 0.6% of Georgia's total. Dominick Prevete arranges DSCR loans across Troup 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 $220,000.
Troup County investor market at a glance
| Statistic | Troup County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 123 | 21,364 | 38th of 43 |
| Reporting lenders | 48 | 586 | 38th of 43 |
| Loan volume | $23.4M | $5.33B | 42nd of 43 |
| Average loan | $190K | $249K | 31st of 43 |
| Median loan | $135K | $205K | 36th of 43 |
| Purchases | 41.5% | 57.3% | 42nd of 43 |
| Cash-out refinances | 14.6% | 17.5% | 26th of 43 |
| 2–4 unit properties | 12.2% | 10.0% | 15th of 43 |
| Top five lenders' share | 37.4% | 18.5% | 17th of 43 |
| Reported business-purpose | 80.5% | 65.7% | 4th of 43 |
Troup County: closed-end loans on 1–4 unit investment properties. Troup County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Troup County's investor loans.
What stands out in Troup County
41.5% of Troup County's investor loans were purchases, the 2nd-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.
By share of investor loans reported as business-purpose, Troup County ranks 4th-highest of Georgia's 43 counties with published data (statewide: 65.7%).
80.5% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The median investor loan in Troup County was $135K, the 7th-lowest median of Georgia's 43 counties with published data (statewide: $205K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Troup County?
At HUD's fair market rent of $1,480 for a 3-bedroom in Troup County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Troup County's median home value is $217,200; at that price the payment is $1,445 a month, so the property would need $1,450 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) | $1,194 / $1,480 / $1,935 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $217,200 |
| Median property taxes and effective rate | $2,024 (0.93% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,445 |
| Rent needed to cover that payment | $1,450 |
| Coverage of a 3-bedroom at fair market rent | 1.02 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
| 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 Troup County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Troup County?
The most active investment-property lenders in Troup County in 2025 HMDA data were Synovus Bank; DOMINION FINANCIAL SERVICES, LLC; and Kiavi Funding, Inc., out of 48 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 Troup County, and matches each file to the one most likely to fund it.
Troup County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 123 loans and $23.4M from 48 lenders. Synovus Bank led Troup County with 17 loans, 13.8% of the county's total, and the average Troup County loan of $190K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Synovus Bank | 17 | $1.8M | $103K | 23.5% |
| DOMINION FINANCIAL SERVICES, LLC | 9 | $6.3M | $703K | 22.2% |
| Kiavi Funding, Inc. | 7 | $1.0M | $148K | 71.4% |
| SouthState Bank, National Association | 7 | $0.9M | $126K | 57.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $0.8M | $138K | 33.3% |
| The Peoples Bank of Georgia | 6 | $0.8M | $130K | 50.0% |
| First Peoples Bank | 6 | $0.6M | $100K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $0.7M | $149K | 0.0% |
| Rocket Mortgage, LLC | 4 | $0.5M | $135K | 25.0% |
| COLONY BANK | 4 | $0.4M | $95K | 25.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.3M | $85K | 0.0% |
| Loan Funder LLC | 3 | $0.4M | $128K | 66.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | $2.7M | $1340K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.3M | $175K | 100.0% |
| Loandepot.Com, LLC | 2 | $0.3M | $165K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.3M | $165K | 0.0% |
| ONY GLO, INC. | 2 | $0.3M | $145K | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | $0.3M | $130K | 100.0% |
| Truist Bank | 2 | $0.2M | $120K | 50.0% |
| LEI:254900AH8L5ZM1JZET07 | 2 | $0.2M | $115K | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.2M | $115K | 100.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | $0.3M | $275K | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | $0.3M | $265K | 100.0% |
| CMG MORTGAGE, INC. | 1 | $0.2M | $225K | 100.0% |
| AMWEST FUNDING CORP. | 1 | $0.2M | $195K | 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 Troup County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Troup County CSV, all 25 lenders
What Troup County's table can't show you: fit. Short-term financing is exempt from HMDA, so Troup County's fix-and-flip and bridge lenders barely appear among its 48 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 Troup County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Troup 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 — Troup County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 48 lenders and 123 loans: 2025 HMDA loan-level data rolled up to Troup County.
- Troup County investor-lender dataset (CSV) — All 25 lenders in the Troup County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Troup 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 Troup County, GA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Troup 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.