A DSCR loan in Georgia is sized on the property's rent against its full monthly payment — principal, interest, taxes, insurance and any HOA. The program does not change by state; what changes is the tax and insurance line inside that ratio, the closing table and the legal process behind the lien. Here is what is specific to Georgia.
Silt's terms do not change at the state line. The term sheet reflects the property, the file and the supported value.
Loan amounts
$200K – $10M
Rates from
5.75%
Max LTV
80% purchase · 75% cash-out
Amortization
30-year
Minimum DSCR
1.00
Qualifies on
Property rent, not personal income
WHAT IS SPECIFIC TO GEORGIA
Georgia facts that touch this loan
Foreclosure. Georgia is listed as a non-judicial-foreclosure jurisdiction: a power-of-sale clause in the deed of trust or mortgage lets the sale proceed without a court judgment, following the statutory notice steps. [1]
Deed transfer tax. Georgia charges $1 for the first $1,000 or fraction of the sale price and $0.10 for each additional $100 or fraction. The seller is liable, although the sales contract may require the buyer to pay. [2]
Market-value assessment. Georgia generally assesses property at 40% of fair market value. Ownership and valuation are determined as of January 1; an assessment is not simply the amount of the seller’s tax bill. [3]
Foreign LLC registration. An out-of-state LLC transacting business in Georgia registers with the Secretary of State and appoints a Georgia registered agent. Ask counsel whether the proposed holding and rental activities constitute transacting business. [4]
Atlanta STR licensing. Atlanta’s short-term rental ordinance provides a license for a primary residence and one additional dwelling and requires the license on advertisements. The city reports that the enforcement date has been extended; check current implementation before relying on nightly rental income. [5]
Attorney conveyancing. Georgia Supreme Court-approved UPL Advisory Opinion 2003-2 requires a Georgia attorney to prepare or facilitate execution of a conveyance deed for another person. [6]
Residential nonpayment: 2024 Safe at Home Act. Georgia’s Safe at Home Act requires a three-business-day pay-or-vacate notice before a nonpayment dispossessory filing for residential leases entered into or renewed on or after July 1, 2024 (§44-7-50(c)–(d)). Post the sealed notice on the door and use any additional delivery method agreed in the lease. [7][8]
Foreign LLC certificate-of-authority fee. The Georgia SOS fee schedule effective September 6, 2025 lists foreign LLC authority at $225 plus a $10 service charge, $235 total. Expedited processing costs extra. [9]
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LARGEST METRO AREAS
Where Georgia's population is
By Census Bureau population estimates, Vintage 2025 (July 1, 2025). Silt lends statewide — these markets are not a limit. Metros are ranked by full-area population among those listing this state first in the Census name; Washington is also included for Virginia and Maryland. Interstate totals are not state-only populations. [10]
Atlanta-Sandy Springs-Roswell, GA
Augusta-Richmond County, GA-SC
Savannah, GA
Columbus, GA-AL
Macon-Bibb County, GA
FAQ
DSCR in Georgia: questions investors ask
Does Silt make dscr loans in Georgia?
Yes. Georgia is one of the states Silt lends in, and the dscr program covers 1–10 unit rentals, long-term or short-term, purchase or refinance.
Is Georgia a judicial or non-judicial foreclosure state?
Georgia is listed as a non-judicial-foreclosure jurisdiction: a power-of-sale clause in the deed of trust or mortgage lets the sale proceed without a court judgment, following the statutory notice steps.
Do dscr terms change in Georgia?
No. The program terms are the same in every state Silt lends in: loan amounts $200K – $10M; max ltv 80% purchase · 75% cash-out; amortization 30-year; minimum dscr 1.00; qualifies on Property rent, not personal income. The final term sheet reflects the property and the file.
Can I close in an LLC in Georgia?
Every Silt loan closes in an LLC or corporation, never a personal name. An out-of-state LLC transacting business in Georgia registers with the Secretary of State and appoints a Georgia registered agent. Ask counsel whether the proposed holding and rental activities constitute transacting business.
What closing taxes should I budget in Georgia?
Georgia charges $1 for the first $1,000 or fraction of the sale price and $0.10 for each additional $100 or fraction. The seller is liable, although the sales contract may require the buyer to pay.
Will you pull my credit to quote?
No. Quoting is free and takes no credit pull. Credit is pulled only when you want a written term sheet, and it sets the pricing tier.
Estimates on this page are not a commitment to lend. State facts reviewed October 2026; laws and rates change — confirm with your title company or attorney.