No W-2. No Tax Returns.
Atlanta real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 620+ credit. LLC borrowing. Close in 14-21 days.
Check My Atlanta Rate →The economy runs on Delta, Coca-Cola, Home Depot and UPS headquarters, Emory and Grady health systems, Georgia Tech and Georgia State, and Hartsfield-Jackson. The rental stock is pre-war bungalows and craftsman stock inside the Perimeter, post-war ranches across the suburbs, and rapid new construction in the exurbs.
Georgia is non-judicial with one of the fastest foreclosure timelines in the country, which keeps capital sources comfortable. The metro is 29 counties with wildly different tax rates — Fulton and DeKalb run high, the exurban counties low — and the same rent produces a different ratio depending on the county line. Basis varies enormously between the intown neighborhoods and the south side.
Because the tax line is the swing factor here, run the DSCR with the actual current bill and the reassessed figure after purchase — in Atlanta they are frequently not the same number, and the lender will use the higher one.
Also see: Savannah, GA →Augusta, GA →Fix & Flip Loans in Atlanta →Columbus, GA →Macon, GA →
DSCR rental loans in Atlanta qualify based on the property's rental income, not your W-2 or tax returns. Min credit 620, max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Atlanta is the Southeast's economic hub — Delta, Coca-Cola, Home Depot, UPS, Chick-fil-A headquarters anchor a diversified economy. Hartsfield-Jackson (busiest airport in the world) and the film industry ('Hollywood of the South') add additional demand. Northern suburbs (Alpharetta, Roswell, Marietta) and eastern growth corridor (Gwinnett) are investor favorites.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Atlanta metro including Alpharetta, Roswell, Marietta, Duluth, and Lawrenceville.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Atlanta rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Alpharetta often qualify easily on gross rent alone.
Atlanta markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Atlanta allow LLC borrowing with personal guarantees. Standard for asset protection.
Atlanta's 4.9% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Atlanta properties.
How the numbers work: see a worked DSCR calculation or run your own in the DSCR calculator.
Yes. DSCR loans qualify based on the Atlanta rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Atlanta DSCR programs through our capital sources start at a 620 credit score. Higher scores improve leverage and pricing.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Atlanta rental yields average 6.8% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Atlanta allow borrowing in an LLC with a personal guarantee.
Atlanta DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Atlanta areas have STR restrictions — verify local rules.
DSCR loans in Atlanta start at $150K with no maximum loan amount — larger loans are placed with jumbo DSCR sources in our network.
Yes. Rate-and-term refis and cash-out refis are available on Atlanta rentals. Cash-out caps at 70-75% LTV.
Almost always the tax line. The lender uses the reassessed bill after purchase, which is often higher than the seller's current bill.
It affects the lender's side. A faster recovery timeline widens the pool of sources comfortable writing there; a slower one makes some conservative on leverage.
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