DSCR Loans in Walker County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 59 lenders made 124 investment-property loans in Walker County, 0.6% of Georgia's total. Dominick Prevete arranges DSCR loans across Walker 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.
Walker County investor market at a glance
| Statistic | Walker County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 124 | 21,364 | 37th of 43 |
| Reporting lenders | 59 | 586 | 30th of 43 |
| Loan volume | $22.5M | $5.33B | 43rd of 43 |
| Average loan | $182K | $249K | 33rd of 43 |
| Median loan | $145K | $205K | 35th of 43 |
| Purchases | 46.0% | 57.3% | 41st of 43 |
| Cash-out refinances | 19.4% | 17.5% | 14th of 43 |
| 2–4 unit properties | 12.1% | 10.0% | 16th of 43 |
| Top five lenders' share | 38.7% | 18.5% | 16th of 43 |
| Reported business-purpose | 52.4% | 65.7% | 33rd of 43 |
Walker County: closed-end loans on 1–4 unit investment properties. Walker County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Walker County's investor loans.
What stands out in Walker County
46.0% of Walker County's investor loans were purchases, the 3rd-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.
The median investor loan in Walker County was $145K, the 9th-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 Walker County?
At HUD's fair market rent of $1,657 for a 3-bedroom in Walker 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). Walker County's median home value is $197,100; at that price the payment is $1,281 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) | $1,340 / $1,657 / $1,761 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $197,100 |
| Median property taxes and effective rate | $1,479 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,281 |
| Rent needed to cover that payment | $1,300 |
| Coverage of a 3-bedroom at fair market rent | 1.29 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $410,000 |
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 Walker County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Walker County?
The most active investment-property lenders in Walker County in 2025 HMDA data were THE BANK OF LAFAYETTE, GEORGIA; UNITED SHORE FINANCIAL SERVICES, LLC; and Builtwell Bank, out of 59 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 Walker County, and matches each file to the one most likely to fund it.
Walker County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 124 loans and $22.5M from 59 lenders. THE BANK OF LAFAYETTE, GEORGIA led Walker County with 26 loans, 21.0% of the county's total, and the average Walker County loan of $182K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| THE BANK OF LAFAYETTE, GEORGIA | 26 | $2.6M | $100K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $1.1M | $156K | 14.3% |
| Builtwell Bank | 6 | $1.9M | $315K | 0.0% |
| Kiavi Funding, Inc. | 5 | $0.7M | $147K | 60.0% |
| LENNAR MORTGAGE, LLC | 4 | $0.9M | $220K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $0.8M | $205K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.7M | $225K | 66.7% |
| MILLENNIUM BANK | 3 | $0.7M | $218K | 66.7% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | $0.6M | $188K | 0.0% |
| TENNESSEE VALLEY FCU | 3 | $0.3M | $112K | 66.7% |
| WILSON BANK AND TRUST | 2 | $0.5M | $260K | 50.0% |
| Pinnacle Bank | 2 | $0.4M | $215K | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | $0.4M | $215K | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.4M | $210K | 100.0% |
| NEWREZ LLC | 2 | $0.4M | $210K | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.4M | $195K | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | $0.3M | $170K | 0.0% |
| FirstBank | 2 | $0.3M | $135K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | $0.3M | $130K | 50.0% |
| First Citizens National Bank | 2 | $0.3M | $130K | 100.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | $0.2M | $115K | 0.0% |
| WesBanco Bank, Inc. | 1 | $1.4M | $1405K | 0.0% |
| First State Bank of Blakely | 1 | $0.9M | $915K | 100.0% |
| Peoples Bank & Trust | 1 | $0.9M | $855K | 0.0% |
| United Bank | 1 | $0.3M | $305K | 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 Walker County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Walker County CSV, all 25 lenders
What Walker County's table can't show you: fit. Short-term financing is exempt from HMDA, so Walker County's fix-and-flip and bridge lenders barely appear among its 59 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 Walker County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Walker 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 — Walker County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 124 loans: 2025 HMDA loan-level data rolled up to Walker County.
- Walker County investor-lender dataset (CSV) — All 25 lenders in the Walker County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Walker 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 Chattanooga, TN-GA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Walker 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.