DSCR Loans in Walton County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 52 lenders made 117 investment-property loans in Walton County, 0.5% of Georgia's total. Dominick Prevete arranges DSCR loans across Walton 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.
Walton County investor market at a glance
| Statistic | Walton County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 117 | 21,364 | 40th of 43 |
| Reporting lenders | 52 | 586 | 34th of 43 |
| Loan volume | $27.8M | $5.33B | 36th of 43 |
| Average loan | $238K | $249K | 19th of 43 |
| Median loan | $175K | $205K | 29th of 43 |
| Purchases | 52.1% | 57.3% | 33rd of 43 |
| Cash-out refinances | 14.5% | 17.5% | 27th of 43 |
| 2–4 unit properties | 11.1% | 10.0% | 17th of 43 |
| Top five lenders' share | 32.5% | 18.5% | 27th of 43 |
| Reported business-purpose | 62.4% | 65.7% | 26th of 43 |
Walton County: closed-end loans on 1–4 unit investment properties. Walton County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Walton County's investor loans.
What stands out in Walton County
52.1% of Walton County's investor loans were purchases, the 10th-lowest share of Georgia's 43 counties with published data (statewide: 57.3%).
Refinances are a larger share here than in most of Georgia. A DSCR refinance qualifies on the property's current rent.
Walton County's 117 investor loans ranked 40th of Georgia's 43 counties with published data.
Does a DSCR loan pencil in Walton County?
At HUD's fair market rent of $2,099 for a 3-bedroom in Walton 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). Walton County's median home value is $339,500; at that price the payment is $2,208 a month, so the property would need $2,225 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) | $339,500 |
| Median property taxes and effective rate | $2,563 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,208 |
| Rent needed to cover that payment | $2,225 |
| Coverage of a 3-bedroom at fair market rent | 0.95 |
| 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 $540,000 |
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 Walton County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Walton County?
The most active investment-property lenders in Walton County in 2025 HMDA data were Kiavi Funding, Inc.; PINNACLE BANK; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 52 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 two that reported in Walton County, and matches each file to the one most likely to fund it.
Walton County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 117 loans and $27.8M from 52 lenders. Kiavi Funding, Inc. led Walton County with 12 loans, 10.3% of the county's total, and the average Walton County loan of $238K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 12 | $2.9M | $238K | 75.0% |
| PINNACLE BANK | 9 | $2.1M | $234K | 11.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $0.9M | $148K | 50.0% |
| LENDINGONE, LLC | 6 | $0.7M | $108K | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 5 | $1.6M | $311K | 0.0% |
| Easy Street Capital, LLC | 5 | $1.3M | $251K | 0.0% |
| BANK OF MADISON | 5 | $1.1M | $227K | 40.0% |
| Loan Funder LLC | 5 | $0.5M | $101K | 60.0% |
| BoxCar Mortgage, LLC | 4 | $2.1M | $515K | 100.0% |
| Rocket Mortgage, LLC | 4 | $0.8M | $205K | 25.0% |
| First Option Mortgage, LLC | 4 | $0.6M | $155K | 100.0% |
| Hometown Equity Mortgage, LLC | 3 | $1.4M | $455K | 33.3% |
| Synovus Bank | 2 | $0.5M | $255K | 50.0% |
| City National Bank of Florida | 2 | $0.5M | $255K | 100.0% |
| Commerce Home Mortgage, Inc. | 2 | $0.5M | $230K | 100.0% |
| AMWEST FUNDING CORP. | 2 | $0.4M | $210K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.4M | $185K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.3M | $175K | 100.0% |
| The Commercial Bank | 2 | $0.3M | $170K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.3M | $130K | 0.0% |
| LOWER, LLC | 2 | $0.2M | $95K | 100.0% |
| Oconee State Bank | 1 | $1.7M | $1715K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | $1.2M | $1165K | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | $0.6M | $605K | 100.0% |
| Truist 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 Walton County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Walton County CSV, all 25 lenders
What Walton County's table can't show you: fit. Short-term financing is exempt from HMDA, so Walton County's fix-and-flip and bridge lenders barely appear among its 52 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 Walton County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Walton 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 — Walton County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 52 lenders and 117 loans: 2025 HMDA loan-level data rolled up to Walton County.
- Walton County investor-lender dataset (CSV) — All 25 lenders in the Walton County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Walton 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 — Walton 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.