Georgia DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Georgia (GA) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Georgia utilize Non-Judicial (First Tuesday Power of Sale) security instruments, with an average non-homestead effective property tax rate of 0.87%, a median 1–4 unit investment home price of $355,000 (median rent $2,650/mo), and 5+ unit multifamily market rents averaging $1,540/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Non-Judicial (First Tuesday Power of Sale)EFFECTIVE PROPERTY TAX
0.87% Avg ($257/mo)MEDIAN 1–4 UNIT PRICE & RENT
$355,000 · $2,650/mo5+ UNIT MULTIFAMILY RENT
$1,540/door/moGeorgia Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine
Price/Door: $355,000·Loan/Door: $266,250·Avg Rent/Door: $2,650/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.27xCanonical:
127 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$266,25026,625,000 _cents
Monthly P&I Debt Service$1,705/mo@ 6.625% Note Rate
Total Monthly PITIA$2,086/moTax: $257 · Ins: $124
Net Monthly Cash Flow+$564/mo$6,762/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,086/mo | 1.27x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,131/mo | 1.24x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,935/mo | 1.37x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.
Georgia Cities with Population ≥ 50,000 (17 Markets)
Click any Georgia city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (GA) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Atlanta, GA → | FULTON County County | 488,147 | 0.84% | $375,000 | $2,800/mo | $1,625/door |
| Columbus, GA → | MUSCOGEE County County | 221,078 | 0.9% | $395,000 | $2,900/mo | $1,700/door |
| Augusta-Richmond County, GA → | Augusta-Richmond County Metro County County | 215,112 | 0.85% | $355,000 | $2,700/mo | $1,575/door |
| Savannah, GA → | CHATHAM County County | 155,621 | 0.84% | $375,000 | $2,800/mo | $1,625/door |
| Athens-Clarke County, GA → | Athens-Clarke County Metro County County | 130,778 | 0.89% | $345,000 | $2,550/mo | $1,500/door |
| Sandy Springs, GA → | Sandy Springs Metro County County | 108,749 | 0.84% | $335,000 | $2,500/mo | $1,450/door |
| Roswell, GA → | FULTON County County | 102,497 | 0.84% | $310,000 | $2,350/mo | $1,375/door |
| Macon, GA → | BIBB County County | 98,079 | 0.85% | $335,000 | $2,500/mo | $1,475/door |
| Johns Creek, GA → | Johns Creek Metro County County | 90,239 | 0.85% | $315,000 | $2,400/mo | $1,400/door |
| Albany, GA → | DOUGHERTY County County | 83,042 | 0.82% | $330,000 | $2,450/mo | $1,425/door |
| Warner Robins, GA → | HOUSTON County County | 79,059 | 0.89% | $365,000 | $2,700/mo | $1,575/door |
| Alpharetta, GA → | FULTON County County | 67,905 | 0.85% | $335,000 | $2,500/mo | $1,475/door |
| Marietta, GA → | COBB County County | 64,407 | 0.87% | $340,000 | $2,550/mo | $1,475/door |
| Valdosta, GA → | LOWNDES County County | 61,564 | 0.89% | $345,000 | $2,550/mo | $1,500/door |
| Smyrna, GA → | COBB County County | 58,247 | 0.8% | $325,000 | $2,450/mo | $1,425/door |
| Brookhaven, GA → | Brookhaven Metro County County | 55,157 | 0.94% | $355,000 | $2,650/mo | $1,550/door |
| Dunwoody, GA → | Dunwoody Metro County County | 51,874 | 0.9% | $350,000 | $2,600/mo | $1,500/door |