Georgia DSCR Loan Calculator
Screen a Georgia rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Georgia; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Georgia DSCR assumptions
The calculator seeds Georgia with a starting property value of $320,000.00, starting rent of $1,400.00, annual property tax based on a 0.79% effective rate, and estimated annual insurance of $2,147.00.
STR note: No statewide restrictions. Atlanta has an active STR ordinance requiring registration and limiting investor (non-owner-occupied) STR licenses in residential zones. Savannah has STR regulations. Atlanta STR rules have been in flux with recent amendments. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Atlanta Metro (Fulton, Gwinnett, Cobb, Clayton, DeKalb — largest SFR institutional market in the country). Savannah/Chatham County (port economy, strong growth, hybrid). Augusta/Richmond County (military + medical, cash flow). Columbus (military — Fort Moore, cash flow). Macon-Bibb County (affordable cash flow entry).
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