What Is a DSCR Loan and How Does It Work in Georgia?
A DSCR loan allows real estate investors to qualify for financing based on the income generated by a property rather than personal income or tax returns.
Rockstar Mortgage has worked with real estate investors across the Atlanta market since 2002 and has earned the Best of Gwinnett Mortgage Company award for more than 13 consecutive years.
What DSCR Means
DSCR stands for Debt Service Coverage Ratio. It measures how well rental income covers the mortgage payment.
DSCR Formula
| Item | Example |
|---|---|
| Monthly Rent | $2,000 |
| Mortgage Payment | $1,600 |
| DSCR | 1.25 |
Typical DSCR Loan Guidelines
- Credit scores starting around 620+
- 20–25% down payment
- No personal income verification
- Rental income used for qualification
Why Investors Use DSCR Loans
DSCR loans allow investors to scale rental portfolios without relying on personal income documentation.