OnlyWay Capital · DSCR loans
DSCR Loans in Georgia
Debt service coverage ratio (DSCR) programs evaluate an eligible investment property largely on its income relative to its debt payments, rather than solely on the borrower's personal income. Definitions and eligibility vary by lender and program.
However you like to decide, start here.
- 01Bottom line firstSkip ahead: book a complimentary consultation and get a written plan.Book your consultation
- 02Show me what's possibleSee if dscr loans is the right fit for what you want next.Is it a fit?
- 03Walk me through itWhat we look at, step by step, so nothing catches you off guard.See the approach
- 04Give me the detailsCommon questions, answered plainly.Read the answers
Who it fits
A good fit when…
- Long-term rental investors acquiring or refinancing 1–4 unit properties
- Investors building a portfolio held in an entity
- Owners seeking to refinance a stabilized rental
What lenders typically review
The review.
- 01Rental income or market rent
- 02Property type, condition and location
- 03Borrower experience and liquidity
- 04Entity structure
- 05Credit profile
Financing availability depends on the borrower, property, purpose, lender, program, and jurisdiction. All financing is subject to eligibility, underwriting, program guidelines, property review, and lender requirements. No approval, rate, term, savings, timeline, or closing result is guaranteed.
Questions
Plainly answered.
What does DSCR mean?
Debt service coverage ratio: broadly, a property's income compared with its debt payments. Each lender defines and calculates it in its own way.
Can you guarantee approval, a rate or a closing date?
No. Financing depends on the borrower, property, purpose, lender, program and jurisdiction, and every loan is subject to the lender's underwriting. We are direct about what looks realistic.
Is this available for my primary residence?
No. OnlyWay Capital focuses on business-purpose financing for investment and commercial property, which is separate from owner-occupied residential lending.
OnlyWay Capital discussions concern business-purpose financing for investment and commercial property. They are not consumer mortgage offers and are not intended for owner-occupied residential financing.
OnlyWay does not provide legal, tax, accounting, or investment advice. Consult your own attorney, tax professional, or financial advisor about your situation.
Rental coverage calculator
Does the rentcover the loan?
Estimated DSCR
1.22
Comfortable coverage. This is the kind of ratio lenders like to see.
- Monthly payment (PITIA)
- $1,973
- Monthly cash flow before other costs
- $427
- Loan amount
- $225,000
Estimate only, for business-purpose investment property, based on a 30-year amortizing loan and the example rate you set. It is not a loan offer or approval, and lenders calculate DSCR in their own ways.
Send us this dealRelated financing
The right way forwardstarts here.
A complimentary, private strategy session. You leave with your numbers, a market brief and a timeline, whether or not you work with us.