Longleaf Lending Atlanta Georgia DSCR Loans

DSCR Loans in Atlanta Georgia:
Modern Financing for Investors

Veteran-owned lender, offering investors DSCR Loans in Atlanta Georgia for no-income-verification, hassle-free long-term financing.

Modern, long-term financing solutions

Why Choose Longleaf Lending for Your Atlanta Georgia DSCR Loan Needs

Crafted with savvy Atlanta Georgia investors in mind, our Long-Term DSCR Loans enable wealth building through a diverse portfolio of rental properties. By prioritizing your investment property's rental income and cash flow metrics, we simplify the loan process. As a top DSCR lender, enjoy competitive interest rates starting at 6.5%.

No Income Verification
Our no-income-verification process eliminates traditional barriers, focusing on your investment's cash flow to qualify you for a loan. This DSCR-centered approach ensures a hassle-free experience, catering specifically to real estate investors' unique needs.
Tailored to Investment Goals
Whether you're investing in short-term vacation rentals or long-term leases, our DSCR loans are crafted to align with your strategic investment plans. This versatility ensures that whatever your goals, our financing solutions fit perfectly.
Efficiency and Speed
At Longleaf Lending, we value your time. Our Atlanta Georgia DSCR loan application and approval processes are optimized for efficiency, ensuring quick, smooth progress from your initial application to the final funding.
Adaptive Financing Solutions
Our financing options are as diverse as the properties you invest in. We're committed to offering flexible DSCR solutions that accommodate a wide range of property types and investor profiles.

Fast and simple

How Longleaf Lending's DSCR Loans Work

DSCR (Debt Service Coverage Ratio) loans are a type of financing used by real estate investors that focus on the income generated by the property rather than the personal income of the borrower. Here’s a simplified explanation:

Calculation.
The DSCR is calculated by dividing the property's Net Operating Income (NOI) by its total annual debt payments. NOI reflects the positive cash flow from the property after operating expenses (mortgage payment, taxes, and insurance) are subtracted.
Criteria for approval.
For Atlanta Georgia, we typically require a DSCR greater than 1.0, indicating the investment property generates sufficient cash flow to cover its debt obligations. A common threshold is a DSCR of 1.0 to 1.2 or higher, but it is possible to go lower.
No personal income verification.
The approval process emphasizes the property’s cash flow potential, not the borrower's personal financial situation, allowing for more accessible financing for investors.
Craftsman house

DSCR Loan Terms

Get the financing you need to build wealth with real estate in Atlanta Georgia using our DSCR long-term 30-year investor loans.

Terms current as of April 25, 2024

Long Term Rental Loan
Loan Value:
$75,000-$2,000,000
LTV:
Up to 80% (as is)
Interest Rate:
Starting at 6.5%
Points:
2-3
Term:
30 years
Closing Time:
As fast as 2 weeks
FICO:
600 minimum

DSCR Loan Requirements Simplified

Understand DSCR Loan Atlanta Georgia Requirements

Securing a DSCR Loan in Atlanta Georgia involves a focused evaluation of your experience, liquidity, credit score, and investment property's income potential. Here's a summary of the current requirements you should know before applying for a DSCR Loan in Atlanta Georgia:

DSCR Calculation:
Minimum of 0.65x
Credit Score:
600 minimum
Loan Amount:
$75,000 to $3 million
Investor Experience:
none required
US Citizenship:
not required
Documentation:
Some of the key required documents include personal ID, bank statements, entity documentation if using a company (operating agreement, EIN letter, articles of incorporation), lease agreement (if currently leased), appraisal (requrested by us), and the purchase HUD (if purchased in the last 12 months).
Occupancy:
Short or long-term rentals, vacant or occupied
Property Type:
SFR, 2-4 units, multifamily 5+ units, mixed use, or commercial
DSCR Loan Atlanta Georgia requirements

Designed for Atlanta Georgia investors

Build wealth through real estate with our DSCR Loans in Atlanta Georgia

Atlanta Georgia's Real Estate Potential: Ideal for 30-Year Rental and Long-Term DSCR Loans

Atlanta Georgia long term rental property loans

Are you a real estate investor eyeing Atlanta, Georgia, for your next venture? If so, you're tapping into one of the nation's most dynamic and promising markets. Atlanta's vibrant economy, robust job market, and steady population growth make it an investor's dream. But to truly capitalize on Atlanta's real estate potential, savvy investors are turning to an invaluable tool: DSCR loans.

What exactly are DSCR loans, and why are they perfect for Atlanta's real estate scene?

DSCR, or Debt Service Coverage Ratio, loans are financing options tailored for income-producing properties such as rental apartments, office buildings, or retail spaces. Unlike traditional mortgages, which primarily consider the borrower's creditworthiness, DSCR loans focus on the property's ability to generate sufficient income to cover debt obligations.

So why are DSCR loans ideal for the Atlanta market?

  1. Resilient Real Estate Market: Atlanta's real estate market has shown remarkable resilience, even in the face of economic downturns. With a diverse mix of industries driving growth, including technology, logistics, and healthcare, Atlanta offers a stable investment environment. DSCR loans provide the financial flexibility needed to capitalize on this stability.
  2. Rising Rental Demand: The demand for rental properties in Atlanta is on the rise, driven by a growing population and an influx of young professionals attracted to the city's job opportunities and vibrant culture. DSCR loans enable investors to secure financing for multifamily properties and capitalize on this upward trend in rental demand.
  3. Favorable Financing Terms: DSCR loans often come with competitive terms tailored to the specific needs of income-producing properties. With favorable interest rates and extended loan terms, investors can optimize their cash flow and maximize returns on their Atlanta real estate investments.
  4. Mitigated Risk: By focusing on the property's income-generating potential, rather than solely relying on the borrower's credit history, DSCR loans help mitigate risk for lenders and investors alike. This approach provides a more accurate assessment of the property's investment value and enhances the overall risk-reward profile of Atlanta real estate investments.

Investing in Atlanta real estate offers strategic advantages that extend beyond financial returns:

  • Strategic Location: Atlanta's strategic location as a major transportation hub positions it for continued growth and investment opportunities. With access to an extensive network of highways, railways, and the world's busiest airport, Atlanta serves as a gateway to the Southeast and beyond.
  • Diverse Economy: Atlanta's diverse economy, driven by key industries such as technology, finance, and entertainment, offers investors a broad range of investment options. Whether you're interested in residential, commercial, or mixed-use properties, Atlanta provides ample opportunities for diversification and long-term growth.
  • Quality of Life: Beyond its economic prospects, Atlanta boasts a high quality of life, with a vibrant cultural scene, world-class dining, and abundant green spaces. This appealing lifestyle factor enhances the attractiveness of Atlanta real estate investments, both for tenants and investors alike.
DSCR loans offer real estate investors a powerful tool to unlock Atlanta's vast potential. With a resilient market, rising rental demand, favorable financing terms, and strategic advantages, Atlanta stands as a prime destination for investors seeking lucrative opportunities in the real estate sector. 

Don't miss out on the chance to be part of Atlanta's success story—explore DSCR loans and invest wisely in Atlanta real estate today.

Atlanta Georgia DSCR Loan frequently asked questions

How is DSCR Calculated in Atlanta Georgia?

How is DSCR calculated in Atlanta Georgia?

In Atlanta Georgia, the Debt Service Coverage Ration (DSCR) is calculated by dividing a property's rental income by it's expenses. In some cases another method could be used which involves dividing Net Operating Income (NOI) by the Debt Service.

Income: For simplicty purposes, you can think about the top line as the annual rental income for your investment property. In some cases a 90% factor might be applied.

Expenses: There are four main components of the expenses.

  • Principal and Interest
  • Taxes
  • Insurance
  • HOA fees

Here's an example so you can see exactly how DSCR is calculated. To keep things easy, we are assuming there is no principal payment, which you might expect with an interest only period. To learn more about how DSCR loans work, check out our detailed article.

How is DSCR calculated in Atlanta Georgia?

About the Longleaf Lending Team

Longleaf Lending is a veteran-owned, direct lending firm with a deep focus on the real estate market. Established in Texas, we bring over two decades of combined experience in real estate, hard money lending, and investment banking.

Funding Experience

Since 2018, we have funded over 600 hard money loans, totaling more than $125 million in loan value.

Expert Leadership

Our leadership includes co-founders Pete Underwood and Matt Weidert, who bring extensive experience from real estate investment, investment banking, and military service.

Commitment to Innovation

We are committed to providing innovative real estate solutions, with a strong focus on integrity and professionalism as a member of the American Association of Private Lenders.

For more about our journey and the dedicated team behind Longleaf Lending, visit our full About Us page.

Explore other Georgia DSCR markets

Submit your Atlanta Georgia loan request today

Start your DSCR Loan funding today

Ready to propel your Atlanta Georgia rental project forward? Our simple loan request process is designed to get you the funding you need quickly and efficiently.

How the DSCR funding process works with Longleaf Lending

Submit our Online Form

Begin by filling out our short form. It's straightforward and only takes a minute. Provide us with some basic information about you and your project.

Get a Term Sheet in less than 24 Hours

After submitting your form, you'll receive a detailed term sheet from us within 24 hours. This term sheet will outline the terms of your loan and give you the confidence to proceed with your project.

Get Funded

Experience fast and straightforward funding. At Longleaf Lending, you'll work directly with our team throughout the entire process, from application to funding.

Applying does not affect your credit score

Apply for a Atlanta Georgia DSCR Loan in 60 Seconds

Begin the funding process by completing our short online form.