Real reviews from international investors who closed with HomeAbroad
★★★★★
“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”
RM
Rashmi Mayekar
Non-US Resident Investor • Property
★★★★★
“HomeAbroad was a game-changer! They helped me get mortgage financing and find an agent who understood my needs. I couldn’t be happier with their assistance.”
SP
Steve Papadakis
Newcomer on H1-B Visa
★★★★★
“Awesome experience in working with them. Very patient in understanding my needs as an investor and helped me with the correct loan product for me. I will recommend them and use them again.”
JB
John Bolla
Investor from New York, NY
★★★★★
“Jonet from HomeAbroad answered all my questions regarding specifics for work visa holders to purchase our first investment property in Tampa. Was patient and kind and also connect me with a real estate agent.”
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Okissa
Purchased Investment Property in Tampa.
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Valid Passport
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Proof of Funds
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Georgia, also known as the Peach State, is where the first Coca-Cola was poured and where one of the fastest-growing film industries outside Hollywood continues to thrive, bringing in billions to the state’s economy and supporting tens of thousands of jobs each year.
It is a state that combines deep demand drivers with a wide range of price points across metro and secondary markets.
If you want to buy or refinance a Georgia rental property but do not want your approval tied to US tax returns, US income, or a US credit history, a DSCR loan is designed for that exact use case.
At HomeAbroad, we originate DSCR loans for foreign nationals and underwrite them with a Georgia-specific lens, including rent support, insurance realities, HOA dues, and property-tax mechanics that can materially change your DSCR.
DSCR Loan Georgia Snapshot
No US Credit History
US Income and Credit History Not Required
Minimum Down Payment
25%
Maximum Loan Amount
$10M
Fast Track Closing
27 Days
DSCR Loan Georgia Program Terms
Feature
HomeAbroad DSCR Loan
DSCR Ratio
Best terms typically apply at DSCR ≥ 1.0. If DSCR is below 1.0, the loan may still be eligible with a higher down payment. Our No-Ratio DSCR option (DSCR 0 to 1) can support foreign national investors buying properties with clear income upside, even when the property’s rent does not fully cover the monthly payment.
US Credit Score
Not required for foreign nationals
Loan Amount
$100K – $10M
Down Payment
25%
LTV
Up to 75% (Purchase) Up to 75% (Rate and Term Refi) Up to 70% (Cash-Out Refi)
Cash Reserves
6 months
Where We Lend DSCR Loans in Georgia
HomeAbroad offers DSCR loans across Georgia. Here are a few cities where we lend DSCR Loans in Georgia.
Atlanta
Alpharetta
Athens
Savannah
Augusta
Columbus
Macon
Sandy Springs
Roswell
Marietta
Jasper
Blairsville
Georgia Investment Properties On Sale
Build wealth with HomeAbroad DSCR loans across Georgia’s top markets.
Our streamlined digital process gets you from application to funding faster than traditional lenders.
1
Get Pre-Qualified
Submit a quick online application. No credit pull required for initial quote.
⏱ 5 minutes
2
Submit Documents
Upload property details, lease agreements, and basic ID verification.
⏱ Same day
3
Property Appraisal
We order an appraisal and a rent schedule to confirm DSCR qualification.
⏱ 5–7 days
4
Close & Fund
Sign closing documents and receive your funds. Remote closing available.
⏱ 27 days total
Why Investors Choose HomeAbroad
DSCR Loan Experts
We focus on DSCR investor loans. Expect clear cash flow math, rent documentation, and underwriting that reflects how rental properties are evaluated.
Foreign National Mortgage Experts
No US credit? No problem. At HomeAbroad, our expert loan officers can still qualify you for a DSCR loan. We do not rely on US income or tax returns to underwrite your loan.
AI-Powered Property Search Platform
Our investment property search helps you shortlist rentals that fit DSCR qualification. Screen for rent strength, yield, and investor criteria before you write the offer.
End-to-End Support
We keep the process moving, from LLC formation to bank accounts, insurance to property management. Everything is handled by us so you can focus on growing your portfolio.
Director of Mortgage Sales, HomeAbroad NMLS #1231769
“DSCR loan is underwriting that starts with the property’s income. When the rent supports the payment, the borrower’s US income paperwork becomes far less central.”
In plain terms, it answers one question: Does the property’s rent cover the monthly housing payment?
If the property covers the payment comfortably, your approval path is typically smoother.
If it does not, you may still have options, but pricing and leverage usually change.
How DSCR is Calculated?
DSCR underwriting starts with a simple formula:
What counts as “Gross Rental Income” for DSCR Underwriting
Market rent supported by the appraisal rent schedule (commonly used for 1 to 4-unit rentals)
Executed lease rent, when acceptable to the lender and consistent with market support
What is included in PITIA
Principal
Interest
Taxes (Georgia property taxes and applicable assessments)
Insurance (including wildfire-related costs where relevant)
Association dues (HOA), if applicable)
Example
Calculating the DSCR Ratio for a Georgia Property:
A pattern we have noticed is that foreign investors focus on purchase price and rent, then get surprised by the expense lines that move DSCR the most:
County and city property taxes
Insurance costs (including wind and flood in coastal areas)
HOA dues and rental restrictions
Property management and vacancy assumptions (when applicable to underwriting)
Benefits of DSCR Loans in Georgia
DSCR loans offer several advantages for foreign nationals investing in Georgia:
Qualification Based on Rental Income, Not Personal Income Documentation
At HomeAbroad, we do not rely on US W2s, US paystubs, or US tax returns to qualify a foreign national DSCR loan. We qualify you primarily on the property’s rental income profile and the strength of your overall file.
Faster Closing Times
DSCR loans can move quickly when the property, rent support, and documentation are straightforward. Appraisal and rent schedule timing still matters, especially in competitive Georgia markets. At HomeAbroad, we can close your deal in as less as 27 days.
Scale Your Portfolio Faster
International real estate investors like DSCR lending because it creates a repeatable qualification approach across multiple properties. When you understand how rent, PITIA, and reserves will be evaluated, it becomes easier to screen deals before you write offers.
Foreign National Friendly
DSCR loan is one of the best mortgage options for foreign nationals, who often face friction with conventional underwriting. DSCR lending is commonly used to reduce that friction because the property performance drives the qualification logic.
How HomeAbroad Helped an Indian Investor Get a DSCR Loan in Georgia
HomeAbroad has helped foreign nationals finance Georgia rentals using DSCR underwriting. For example, an India-based investor, Rohan Lamba, used a HomeAbroad DSCR loan to purchase a single-family rental in Atlanta, GA and qualified based on rental income rather than a US credit history.
Property Details:
Location: Atlanta, GA Property Value: $418,000 Monthly Rental Income: $2,250
Loan Details:
Loan Amount: $334,400 Down Payment: 25% ($83,600) Interest Rate: 7.2% Loan Term: 30 years Monthly Mortgage (PITIA): $2,090
This is where it gets nuanced. The DSCR ratio was not “high,” but it was workable because the rent coverage remained above 1.00 once the full monthly payment was underwritten correctly.
In our underwriting, we focused on the two items that most often derail DSCR files when investors are buying remotely:
A true PITIA payment, not an optimistic estimate DSCR approvals are won or lost on the monthly payment. We underwrote the complete PITIA figure used for qualification so the DSCR outcome was reliable from the start.
Rent support that matches how the property will actually be operated We ensured the rent used for qualification was supportable for long-term tenancy and consistent with the property’s rental profile.
“Most foreign nationals do not lose deals in underwriting because the property is bad. They lose them because the rent story is not documented clearly or the payment is under-modeled early. In this Atlanta purchase, the DSCR was not inflated. We verified a defensible rent figure and underwrote the full PITIA from the beginning, so the investor knew exactly what the ratio looked like before the file got deep into processing.”
However, we understand that not every property’s rental income will meet this threshold, which is why we also offer our No-Ratio DSCR Program for properties with a DSCR between 0 and 1. With the No-Ratio program, you can still secure financing, although it will require a slightly larger down payment (a 5% reduction in LTV) and a higher interest rate. This option is ideal for investors with a strong long-term strategy who want to acquire properties that may not immediately generate a 1.0 cash flow ratio.
Georgia Rental Market Overview
Georgia’s rental market remains one of the strongest in the Southeast, supported by steady population growth, meaningful barriers to homeownership in many metros, and diverse economic drivers across metro Atlanta, logistics and port activity near Savannah, healthcare, higher education, and military corridors.
Based on our review of primary public datasets, the key Georgia market statistics to reference for 2025 underwriting context are:
Median gross rent in Georgia: approximately $1,306 per month
Median value of owner-occupied housing units: around $272,900 statewide
Median selected monthly owner costs with a mortgage: $1,712
Owner-occupied housing unit rate: 65.4% (implying a meaningful renter share across the state)
The reason this matters is underwriting. When ownership costs are structurally higher than rent in many markets, DSCR outcomes become more sensitive to the inputs that move the monthly payment: interest rate, insurance, property taxes, and HOA dues. What we see often is that Georgia DSCR files win when investors validate those expense lines early, before the appraisal and insurance quotes tighten the math.
Top Places to Invest in Georgia with a DSCR Loan
Georgia offers multiple investment styles: long-term suburban rentals near job nodes, student-driven rentals, military-demand corridors, and short-term rental pockets where regulations permit.
The investment properties shown below are pulled from the HomeAbroad property-search platform and can change daily. Review each listing’s rent assumptions, cash flow, and DSCR inputs before you underwrite an offer.
City
Rental Type
Rental Yield
Atlanta
Long-Term
4.61%
Savannah
Short-Term
6.94%
Augusta
Long-Term
8.01%
Athens-Clarke County
Long-Term (Student-driven)
5.13%
Columbus
Long-Term
7.06%
Atlanta: Scale, liquidity, and diversified tenant demand
Atlanta is Georgia’s largest rental ecosystem with multiple tenant bases: corporate employment, healthcare, logistics, universities, and steady in-migration across submarkets.
Median home value: $420,600
Median gross rent: $1,617
What this means for investors: Atlanta is often a “repeatable DSCR” market because you can build a buy box where the rent has multiple support pillars, not a single employer.d tourism volume make it ideal for DSCR-backed short-term rental strategies, even at higher property prices.
Investment Properties Listed Today on Sale in Atlanta
Savannah: Tourism demand plus port and logistics gravity
Savannah combines lifestyle-driven tourism demand with a logistics backbone anchored by port throughput (where TEU is commonly used as the capacity metric).
Median home value: $225,200
Median gross rent: $1,302
What this means for investors: Savannah can support multiple strategies, but DSCR success depends on matching the plan to local rules and insurance realities.e.
Investment Properties Listed Today on Sale in Savannah
Augusta’s rental demand is often tied to stable institutional drivers (healthcare, military-related demand, and regional employment). It is typically a long-term rental market where DSCR can pencil when purchase pricing stays aligned with achievable rent.
Median home value: $162,900
Median gross rent: $1,087
What this means for investors: Augusta is often a “cash-flow discipline” market. The underwriting edge comes from getting realistic insurance and tax numbers, then letting rent strength do the work.ow entry costs and stable rent returns make it accessible for investors focused on yield over appreciation.
Investment Properties Listed Today on Sale in Augusta
Athens: Student-driven demand with year-to-year leasing patterns
Athens is shaped by university demand and the leasing seasonality that comes with it. That makes rent durability strong in many pockets, but underwriting must respect vacancy timing and realistic expense load.
Median home value: $271,800
Median gross rent: $1,162
What this means for investors: Athens can be DSCR-friendly when the lease structure is clean and the rent is supported by comps that underwriters can defend.
Investment Properties Listed Today on Sale in Athens
Georgia Specific DSCR Underwriting Factors that Investors Overlook
1) County property taxes are an underwriting input, not a footnote
Georgia property taxes vary by county and local millage rates, and your monthly tax escrow can move materially based on assessment and exemptions. Many investor purchases do not qualify for owner-occupant exemptions, so you want taxes modeled as they will actually be billed. Georgia’s Department of Revenue explains the state’s property tax framework and assessment basis.
“A DSCR file can look fine until the county tax number updates. We prefer to size the deal assuming real investor tax treatment, not best-case owner-occupied scenarios.”
2) Coastal flood exposure changes insurance math in Savannah and nearby areas
For coastal Georgia, flood risk and insurance requirements can materially affect PITIA. FEMA’s Flood Map Service Center is the authoritative tool for checking flood zones and related flood insurance considerations.
3) Short-term rental rules are local, and enforcement matters
Georgia does not run STR licensing as one statewide rulebook. Cities set requirements. For example:
Atlanta has a city licensing framework and a primary-residence-based approach in its official guidance.
Savannah also publishes its own short-term vacation rental rules and compliance requirements.
Athens-Clarke County publishes local STR requirements as well.
DSCR underwriting should reflect whether the property’s income plan is legally executable.
Strategic & Future Considerations for Foreign Nationals Investing in Georgia
1) Entity setup and banking should match the operating plan
Many foreign national investors prefer an LLC structure for operations, liability management, and future portfolio scaling. If you are forming or qualifying an entity in Georgia, use the Georgia Secretary of State as the primary reference point for registration and compliance.
2) Plan your exit and withholding rules in advance (do not wait until sale)
Foreign owners selling US real property can trigger FIRPTA withholding at the federal level. The IRS is the primary source on FIRPTA rules. Georgia can also impose withholding rules in certain nonresident sale contexts through the Georgia Department of Revenue.
The reason this matters is simple: it affects net proceeds timing and documentation at closing.
3) Be aware of evolving land ownership restrictions for specific land categories
Georgia has enacted restrictions focused on certain land types and locations (commonly discussed around agricultural land and sensitive sites). If your strategy includes rural land, large parcels, or specific restricted zones, this becomes a legal due diligence item. Georgia’s Department of Agriculture has published guidance and related references.
Georgia DSCR Loan FAQs
Can foreign nationals apply for DSCR loans in the state of Georgia?
Yes, foreign nationals can apply for DSCR loans in Georgia through HomeAbroad, with qualification driven primarily by the property’s rental income rather than US employment or US credit history
What are the DSCR loan interest rates in Georgia?
DSCR loan interest rates vary based on market conditions, borrower profiles, and property type, but are typically higher than conventional loan rates. However, HomeAbroad offers competitive rates that enable investors to leverage property cash flow to achieve better returns.
How long does it take to get a DSCR loan in Georgia?
At HomeAbroad, we streamline the application process to ensure a smooth experience from loan application to closing. We guarantee that the closing will happen within 30 days.
About the author:
Steven Glick is the Director of Mortgage Sales at HomeAbroad and has over a decade of experience in the mortgage industry. As a licensed mortgage originator (NMLS# 1231769), Steven brings deep expertise in loan processing, sales operations, and non-traditional mortgages.
* Scenario-based rate shown for illustrative purposes. Reflects current pricing available to qualified borrowers with strong credit, low loan-to-value, qualifying DSCR, and selected loan terms. Actual rates vary by borrower, property, and market conditions. Not a commitment to lend. Foreign national DSCR pricing may differ from U.S. borrower programs.
Why Choose Us
Built for Foreign Real Estate Investors
HomeAbroad is a one-stop shop for global investors, from finding properties to securing financing, setting up your LLC, opening a US bank account, and managing your portfolio.
🌍
Foreign National Mortgage Experts
No US credit history, income, or residency required. We've helped thousands of international real estate investors finance Georgia real estate.
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AI–Powered Property Search
Our investment property search platform helps you discover high-yield rentals across Georgia using smart algorithms.
⌚
Fast Digital Process
Close in as fast as 27 days with our streamlined application, remote notarization [remote closing], and digital document signing.
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500+ Expert Agents
Work with our network of experienced real estate agents who specialize in investment properties across Georgia.
Ready to Get Started?
Get your personalized rate quote in minutes. No credit pull, no obligation.
48
States We Lend In
27 Days
Average Close Time
500+
Partner Real Estate Agents
4.9 Star
Customer Rating
Pre-qualify for a DSCR Loan as an international investor
No U.S. credit history. No personal income verification. Qualify based on property’s rental income.
