Long-term rental financing for investment properties across Georgia — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Georgia metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Metro Atlanta is one of the most active BRRRR markets in the country — a combination of affordable acquisition basis, deep rental demand from sustained population growth, and a non-judicial foreclosure process that keeps holding costs predictable. Georgia's landlord-tenant statutes are considered landlord-friendly.
Metro Atlanta and Georgia secondary markets still offer entry-price points well below coastal metros — enabling meaningful cash-on-cash returns for buy-and-hold investors and workable margins on BRRRR strategies.
Georgia is a non-judicial foreclosure state with a predictable eviction timeline and landlord-friendly statutes. Holding costs stay projectable, which matters for cash-flow modeling on rental portfolios.
Metro Atlanta continues to lead the Southeast in job creation and population inflow, supporting deep long-term rental demand across every submarket in the region.
Whether you're closing a single-asset SFR in a smaller Georgia market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Marietta, Alpharetta, Kennesaw, Sandy Springs, Roswell, Duluth
Snellville, Lawrenceville, Lithonia, Stone Mountain, Douglasville
Chatham County — LTR + coastal STR scenarios
Richmond & Columbia counties — Fort Eisenhower demand
UGA-adjacent SFR and student housing
Central Georgia — strong yield markets
Fort Moore-adjacent rental demand
Statewide coverage — send us any Georgia property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Georgia properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Georgia — Metro Atlanta, Atlanta South & East, Savannah, Augusta, Athens, and every other GA metro. Rates from 5.75%, up to 80% LTV.
Georgia DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Georgia metro. High-volume markets: Metro Atlanta, Atlanta South & East, Savannah, Augusta, Athens. Secondary markets welcome.
Metro Atlanta is one of the most active BRRRR markets in the country — a combination of affordable acquisition basis, deep rental demand from sustained population growth, and a non-judicial foreclosure process that keeps holding costs predictable. Georgia's landlord-tenant statutes are considered landlord-friendly.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Georgia DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Georgia metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Georgia builders. 85% land + 85% build. $100K–$7.5M.