DSCR Loan Interest Rates Today: Your Guide to Financing Investment Properties in Georgia
Get DSCR Loan Interest Rates Today in Georgia NOW! Are you a real estate investor in Georgia looking to expand your portfolio? Understanding DSCR (Debt Service Coverage Ratio) loans is crucial, and knowing the current interest rates is the first step. This guide provides you with the latest information on DSCR loan interest rates, requirements, and how GHC Funding can be your go-to lender.
What is a DSCR Loan?
A DSCR loan is a type of financing for investment properties where the loan is secured by the property’s cash flow, not your personal income. Lenders assess the property’s ability to cover its debt obligations. This makes it ideal for investors who may not have traditional W-2 income but have strong rental income.
DSCR Loan Interest Rates in Georgia (June 2, 2025)
According to recent data, DSCR loan interest rates can range from 6.375% to 8.000%, with APRs slightly higher [OfferMarket]. These rates are influenced by factors like your DSCR ratio, credit score, and the type of property you’re financing. Keep in mind that these rates are generally 1-2% higher than conventional mortgage rates.
- Fixed-Rate DSCR Loans: Offer stable rates for the entire loan term.
- Variable-Rate DSCR Loans: May start lower but can adjust based on market conditions.
Note: Rates are subject to change, and it’s always best to get a personalized quote.
DSCR Loan Requirements
While specific requirements vary by lender, here are some general guidelines:
- DSCR Ratio: Most lenders prefer a DSCR of 1.2 or higher, indicating the property’s income comfortably covers its debts [A&D Mortgage]. Some lenders may go as low as 0.75, but this often requires larger down payments [Griffin Funding].
- Credit Score: A minimum credit score of 620 is typically required, but a score of 660 or higher is preferred for better terms [New Silver].
- Down Payment: Expect to put down 20-25% of the property’s purchase price [New Silver].
- Loan Amount: Minimum loan amounts often start around $100,000 [Griffin Funding].
- Property Type: DSCR loans are used for 1-4 unit residential properties and sometimes larger multi-family units [CrossCountry Mortgage].
- Cash Reserves: Lenders may require 3-6 months of cash reserves to cover potential vacancies or repairs [Point Blog, A&D Mortgage].
Geo-Targeting SEO for Georgia Investors
To make this guide relevant to investors in Georgia, here are some geo-targeting strategies:
- Cities: Atlanta, Savannah, Augusta, Columbus, Macon, Sandy Springs, Roswell, Johns Creek, Warner Robins.
- Zip Codes: 30301 (Atlanta), 31401 (Savannah), 30901 (Augusta), 31901 (Columbus).
- Neighborhoods: Buckhead (Atlanta), Midtown (Atlanta), Historic District (Savannah).
Resources for Georgia Real Estate Investors
- Georgia Real Estate Investors Association (GaREIA): A great resource for networking, education, and support. GaREIA
- Georgia Association of REALTORS®: Provides helpful links and consumer resources. Georgia Association of REALTORS
- PropStream: A tool for finding leads and analyzing properties. PropStream
GHC Funding: Your Go-To Lender for DSCR Loans
GHC Funding provides CRE loans and business loans, including DSCR loans tailored to meet your investment needs. With competitive rates and flexible terms, GHC Funding can help you secure the financing you need to achieve your real estate goals in Georgia.
Disclaimer: Interest rates and loan requirements are subject to change. Contact GHC Funding for the most up-to-date information and to discuss your specific situation.
