DSCR Loans for Georgia and South Carolina Real Estate Investors

Qualify on the property's cash flow, not your pay stub. We shop multiple wholesale lenders to find a competitive fit, process your file in-house, and keep you informed from consult to closing.

Book a free consultation or call (912) 210-4404

What is a DSCR loan?

A DSCR (debt service coverage ratio) loan is an investment-property mortgage where the lender qualifies the deal mainly on the property's rental income compared to its housing payment (principal, interest, taxes, insurance, and any HOA). There is no personal income verification: no W-2s, tax returns, or pay stubs. LLC vesting is allowed. DSCR loans are for non-owner-occupied investment property only.

Who it's for

Long-term rental investors buying single-family homes or 2-4 unit properties
Short-term rental and Airbnb hosts (lender guidelines on STR income vary)
BRRRR investors refinancing out of short-term or hard-money financing
Portfolio investors closing in an LLC
Self-employed investors whose tax returns don't show their full picture
Out-of-state investors buying in Georgia or South Carolina

How it works

Free consultation in person in Savannah or online. Tell us about the property, the rent, and your goals.
Scenario review: we compare programs across multiple wholesale lenders to find a competitive fit for your deal.
Application: a simple, investor-focused application, with LLC documents if you're vesting in an entity.
In-house processing: our own team orders the appraisal and rent analysis, gathers conditions, and keeps you updated.
Closing: we coordinate with your closing attorney or title company so you close on schedule.

Why GA Loan Advisors

We shop multiple wholesale lenders to find a competitive fit, so you aren't limited to a single bank's guidelines.
In-house processing means one team handles your file, with fewer handoffs and faster answers.
Terrific customer service: you'll reach a real person who knows your file.
Veteran-owned and local: founded by U.S. Army veteran Eric Partin in Savannah, serving investors across Georgia and South Carolina.
Free consultations, in person or online.

Frequently asked questions

Do you verify my personal income?

No. DSCR lenders qualify mainly on the property's cash flow. Credit, reserves, and other lender requirements still apply.

Can I close in my LLC?

Yes. LLC vesting is allowed, and many investors use it to hold rentals.

How much do I need to put down, and what credit score do I need?

DSCR loans generally require a larger down payment than owner-occupied loans and fair-to-strong credit. Exact ranges are lender-dependent, which is why we compare multiple wholesale lenders for your scenario.

Can short-term rental (Airbnb) income count?

Some lenders allow short-term rental income under their own guidelines. Local short-term rental rules also matter. We'll review the options.

Can I use a DSCR loan for a home I'll live in?

No. DSCR loans are for non-owner-occupied investment property only.

Can I refinance or take cash out?

Many lenders offer DSCR purchase, rate-and-term, and cash-out refinance options. Seasoning and other requirements vary by lender.

Which areas do you serve?

Investment properties in Georgia and South Carolina, including Savannah, Atlanta, Augusta, Columbus, Macon, Charleston, Columbia, Greenville, and Myrtle Beach.