Get DSCR Commercial Real Estate Loan in Georgia Now

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GHC Funding
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Published: December 23, 2025
Categories: blog
Reading Time: 3 minutes read
Article Credits

Contributing Author & Editorial Review

This article was crafted and reviewed by experienced professionals to ensure accuracy and practical insight.

GHC Funding

GHC Funding

Contributing Author

Jordan focuses on real estate finance, small business capital, and practical investing strategies for growth-minded entrepreneurs.

Taylor Morgan

Taylor Morgan

Senior Editor

Taylor reviews content for clarity, compliance, and real-world relevance to ensure every article meets professional standards.

Content is provided for educational purposes and does not constitute legal, tax, or financial advice. Please consult your own advisors before making decisions.

DSCR Loan

DSCR Rental Loan Highlights

  • Qualification based mainly on property cash flow (DSCR).
  • No personal income docs required for many programs.
  • Financing for 1–8 unit rentals, portfolios, and many STR/Airbnb deals.
  • Up to 80% LTV on purchases and 75% LTV on cash-out (program-dependent).
  • 30-year fixed and interest-only options available.
Get a Pre-Approval or Rate Quote
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Unlocking Opportunities with DSCR Commercial Real Estate Loans in Georgia

As the sun set over Atlanta’s skyline, Mark, a thriving restaurateur in Savannah, found himself at a crossroads. His business was booming, but his current location was bursting at the seams. Mark needed a larger space to meet demand, but traditional financing options seemed out of reach. That’s when he discovered the power of a DSCR Commercial Real Estate Loan.

In this article...

Understanding DSCR Commercial Real Estate Loans

For Georgia business owners like Mark, a Debt Service Coverage Ratio (DSCR) Commercial Real Estate Loan can be a game-changer. But what exactly is it? In plain English, a DSCR loan evaluates a property’s cash flow against its debt obligations. This means your business’s cash flow is more important than your credit score.

Georgia businesses, from bustling Atlanta to charming Savannah, can benefit immensely. With thriving industries and a growing market, securing real estate is crucial. However, market conditions such as fluctuating property values and competitive bidding present challenges.

Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!

⚡ Key Flexible Funding Options:

GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:

Top Pick

DSCR Rental Loan

Best for: Scaling rental portfolios
★★★★★ 4.8/5 (120 reviews)
Starting rate~7–9%+
Loan amounts$100K – $5M+
Term30 yr fixed / ARMs
Highlights
  • No tax returns required
  • Qualify using rental income (DSCR-based)
  • Fast closings ~3–4 weeks
Check DSCR Rates

SBA 7(a) Loan

Best for: Owner-occupied commercial real estate
★★★★★ 4.6/5 (89 reviews)
RatePrime + spread
Loan amounts$350K – $5M+
TermUp to 25 years
Highlights
  • Lower down payments vs banks
  • Long amortization improves cash flow
  • Good if your business occupies 51%+
Explore SBA Options

Bridge Loan

Best for: Fast closing + value-add deals
★★★★☆ 4.4/5 (72 reviews)
RateVaries by deal
Loan amounts$250K – $15M+
Term6–24 months
Highlights
  • Close quickly — move on opportunities
  • Flexible underwriting
  • Great for value-add or transitional assets
Talk to a Specialist
Low Rates

SBA 504 Loan

Best for: Large CRE acquisitions & refinancing
★★★★★ 4.7/5 (101 reviews)
RateFixed, low CDC rate
Loan amounts$500K – $12M+
Term10, 20, 25 years
Highlights
  • Low fixed rates through CDC portion
  • Great for construction, expansion, fixed assets
  • Often lower down payment than bank loans
Check 504 Eligibility

🌐 Learn More

For details on GHC Funding's specific products and to start an application, please visit our homepage:

GHC Funding Homepage

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  • Focuses on property income, not personal income
  • Ideal for growing businesses with strong cash flow

Eligibility and Approval Process

To qualify for a DSCR loan in Georgia, understanding credit score requirements is vital. Typically, lenders look for a score of 620 or higher. The approval process is generally swift, often taking 30 to 45 days.

However, business owners often make common mistakes:

  • Overestimating property income potential
  • Ignoring potential maintenance costs
  • Underestimating competition for prime locations
  • Failing to prepare proper documentation

Real Case Study: A Success Story from Augusta

Consider Jane, an entrepreneur in Augusta. She owned a boutique hotel but needed funds to expand. With a DSCR loan, she secured a $500,000 property, leveraging a 1.25 DSCR. Her revenue increased by 40% within a year. This loan was her key to success in a competitive market.

FAQs About DSCR Loans

Georgia business owners often have questions about DSCR loans. Here are some common queries:

  • What is the minimum DSCR required? Typically, a DSCR of 1.2 or higher is needed.
  • Can I use a DSCR loan for property renovation? Yes, it’s often used for improvements.
  • What documentation is required? You’ll need financial statements and property income details.
  • Is personal credit checked? Yes, but the focus is on the property’s income.
  • Can I refinance with a DSCR loan? Absolutely, it’s a common use case.
  • How do interest rates compare? Rates are competitive, often aligning with market standards.

Get a Free Rate Today

Compare our top-rated commercial and investment property loan programs below.

DSCR Loan
⭐ 4.8/5
  • No income verification
  • 30-year fixed | Interest-only available
  • Great for rental properties + STR
  • Fast approvals
Check My Rate
SBA 7(a) Loan
⭐ 4.9/5
  • Working capital + business acquisition
  • Up to $5M
  • Low down payment
  • Long-term financing
Check My Rate
SBA 504 Loan
⭐ 4.9/5
  • Owner-occupied CRE
  • Low fixed rates | 25-year terms
  • Great for business expansion
  • Refinance available
Check My Rate
Bank / CRE Loan
⭐ 4.7/5
  • Best for stabilized properties
  • Competitive rates
  • 12–25 year terms
  • Lower fees than private lenders
Check My Rate

Compare Loan Types

Find the Right Financing for Your Real Estate or Business Project

Loan Type Best For Rates Terms Highlights Apply
DSCR Loan Rental properties (LTR & STR) 5.99%+ 30-year fixed, IO options No income docs, fast approvals, great for investors Check My Rate
Construction Loan Ground-up, fix & build, major renovations 8%–12% depending on scope 12–24 months interest-only Flexible draws, great for builders & developers Get a Quote
SBA Loan Business acquisition, working capital, CRE Prime + spread 10–25 years Lowest down payments, long terms, best for business growth See My Options

Take the Next Step with GHC Funding

If you’re a Georgia business owner ready to expand like Mark or Jane, a DSCR Commercial Real Estate Loan could be your solution. At GHC Funding, we’re here to guide you through the process with expertise and personalized support.

Contact us today to explore your options and take the first step toward your business’s growth in Georgia’s thriving market.

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Get a No Obligation Quote Today.


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Helpful Small Business Resources

Use these trusted resources to grow and manage your small business—then connect with GHC Funding to explore financing options tailored to your needs.

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GHC Funding DSCR, SBA & Bridge Loans
Contact GHC Funding Today. Main: 833-572-4327 Email: sales@ghcfunding.com
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