Capital Kings LLC

DSCR Loans in Atlanta, GA.

Thirty-year DSCR loans for Atlanta rentals, qualified on the lease, no tax returns. Southwest Atlanta is where rents near the BeltLine have caught up with prices, and Georgia’s 40% assessment keeps the tax line moderate.

Get a DSCR term sheet →Run your numbers

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO · October 2026

Worked example, October 2026West End, $264,000 house, 745 credit

Rent$2,250

Full payment$1,974

Principal + interest $1,435 Taxes $351 Insurance $188

DSCR1.14x

Rate7.21%

Cash to close$65,334

Price my Atlanta rental →

In short Terms as of October 2026

Atlanta DSCR loans are 30-year fixed rental loans qualified on the property’s rent, not your income. Rates start at 6.69% (760+ credit, 70% LTV, 5-year prepay), purchases go to 80% LTV at 700+ credit, the credit floor is 660, and the rent has to cover the full payment at 1.00 or better. On a $264,000 Atlanta house renting for $2,250, with Atlanta taxes at 1.6% of value, the ratio is 1.14 and cash to close is $65,334.

Capital Kings LLC is a broker, not a lender: we shop each Atlanta rental across 400+ lenders and send the term sheet with every fee on it.

The terms

Atlanta DSCR terms, as of October 2026

Rate	From 6.69%, 30-year fixed760+ credit at 70% LTV with a 5-year prepay. 7.46% at 700 to 719 credit and 80% LTV.
Loan to value	Up to 80% on a purchase75% on a cash-out refinance, 700+ credit
Minimum credit	66075% LTV at 680 to 699, 65% at 660 to 679
Minimum DSCR	1.00Rent divided by principal, interest, taxes, insurance and HOA
Origination	None lender originationLender fees about $2,295 (underwriting, legal, setup)
Broker fee	1%, $2,000 minimumThe only money Capital Kings earns, its own line on the term sheet
Reserves	3 months of the payment on a purchase6 months on a refinance
Minimum loan	$100,000
Close time	21-30 daysAppraisal with a rent schedule, entity docs and an insurance binder
Experience	None requiredA first rental prices the same as a tenth

Atlanta DSCR rates by credit, as of October 2026

Credit	Purchase LTV	Purchase rate	Cash-out LTV	Cash-out rate
760+	80%	7.05%	75%	7.12%
740 to 759	80%	7.21%	75%	7.28%
720 to 739	80%	7.34%	75%	7.41%
700 to 719	80%	7.46%	75%	7.53%
680 to 699	75%	Priced per file	70%	Priced per file
660 to 679	65%	Priced per file	60%	Priced per file

Single family, rate at the maximum LTV, 5-year prepay. Add 0.26% for 2-4 units. We price every file against the whole network before you sign.

Worked example

One Atlanta rental, priced the way the application prices it

A 3-bedroom house in West End (30310) at Zillow’s typical home value for the ZIP, rented at Zillow’s average for 3-bedroom houses there, 745 credit, 80% financed, with Fulton County millage on the 40% assessment.

Does it cover? 1.14x

Loan$211,20080% of $264,000 at 7.21%

Principal and interest$1,43530-year fixed

Property taxes$3511.6% of value, $4,214 a year

Insurance$188$2,257 a year

Full payment$1,974$2,250 rent ÷ $1,974 = 1.14 DSCR, $276 a month left before vacancy and repairs

Rent$2,250
Zillow’s average rent for 3-bedroom houses in 30310, against a 30310 home value index of $263,841. Zillow rental market trends, 3-bed houses, West End 30310, Oct 18, 2026.
Property tax1.6%
2025 millage in the Fulton County part of Atlanta, City 10.37 plus Fulton County 9.039 plus Atlanta Public Schools 20.5, 39.909 mills on Georgia’s 40% assessment. Georgia Department of Revenue, 2025 county ad valorem tax digest millage rates, Mar 31, 2026.
Insurance$2,257 a year
NerdWallet’s Atlanta average of $3,420 a year, scaled to this house assuming the $400K of dwelling coverage NerdWallet’s tables use. NerdWallet, Georgia homeowners insurance (Atlanta average), Feb 20, 2026. An owner-occupant average; a landlord policy can price differently, so get a quote.

The term sheet

Every fee, and who gets paid

The term sheet the application builds for this house: $52,800 down, every closing fee, and who each dollar goes to.

Cash to close$65,334

Proof of funds to show$71,256

Where the $65,334 goes

Down paymentEquity$52,800
Appraisal feeAppraiser$550
Prepaid interestLender$626
Lender fees, underwriting and legalLender$2,295
Broker feeBroker$2,112
Closing / titleTitle co$3,640
Property insurance, first yearInsurer$2,257
Escrow setup, 3 months of taxesLender$1,054

Proof of funds adds $5,922 of reserves, 3 months of the $1,974 payment, that stay in your account.

Sample sheet, fictional borrower, same engine that builds yours. Yours takes about two minutes and doesn’t pull your credit.

Run the numbers

Price your Atlanta rental

Purchase price or valueMonthly rentCredit scorePurposeUnitsAnnual taxes (blank = 1.6%)

Enter your numbers to see the rate, the loan size and the ratio.

Get the real term sheet →Same numbers as the application. No credit pull, nothing saved.

Atlanta notes

What moves the ratio in Atlanta

West End, Adair Park and Lakewood Heights rent for close to what the westside BeltLine neighborhoods do at a lower price, which is why they clear at full leverage. Grove Park and the 30318 ZIPs cost more than the rent carries.

Taxes

Georgia taxes 40% of fair market value, so Atlanta’s 39.9 mills come to about 1.60% of value in the Fulton part of the city. The DeKalb part and special districts like the BeltLine special service district carry different totals.

Insurance

Atlanta premiums sit near the Georgia average. On intown houses the carrier asks about the roof, the wiring and the sewer line, the same items that show up in the inspection.

Rent

In West End the average 3-bedroom house rent matches the citywide figure while the typical home value sits well under the city’s, which is the whole case for the ZIP.

Where it pencils

West End, Adair Park, Oakland City and Lakewood Heights are the ZIPs we price most in the city.

DSCR loans across Georgia →Hard money and flip loans in Atlanta →New construction loans in Atlanta →Every Georgia program →

Local figures: Zillow rental market trends, 3-bed houses, West End 30310, Oct 18, 2026 · Zillow home value index, West End 30310, Sep 30, 2026 · Georgia Department of Revenue, 2025 county ad valorem tax digest millage rates, Mar 31, 2026 · NerdWallet, Georgia homeowners insurance (Atlanta average), Feb 20, 2026 · Georgia Department of Revenue, 40% assessment, Oct 19, 2026.

Questions

Atlanta DSCR FAQ

What are DSCR loan rates in Atlanta, GA right now?

As of October 2026, from 6.69% on a 30-year fixed for 760+ credit at 70% LTV with a 5-year prepay. At the 80% purchase cap: 7.05% at 760+, 7.21% at 740 to 759, 7.34% at 720 to 739, 7.46% at 700 to 719. Add 0.24% for a cash-out refinance and 0.26% for 2-4 units. No lender origination; lender fees about $2,295 plus our 1% broker fee ($2,000 minimum).

How much do I need to put down on a Atlanta DSCR loan?

At least 20% of the price at 700+ credit, 25% at 680 to 699 and 35% at 660 to 679, plus closing costs and 3 months of the payment in reserves. On the $264,000 example that is $52,800 down, $65,334 cash to close and $71,256 of proof of funds.

Does a typical Atlanta rental qualify for a DSCR loan?

On our example, yes: a $264,000 house in West End renting for $2,250 carries a $211,200 loan at 7.21%. The full payment is $1,974 ($1,435 principal and interest, $351 taxes, $188 insurance), so the ratio is 1.14 and the rent clears the 1.00 minimum at the full 80% LTV.

What property tax and insurance numbers should I use in Atlanta?

The real ones, because both sit inside the payment the rent has to cover. We used 1.6% of value for taxes (2025 millage in the Fulton County part of Atlanta, City 10.37 plus Fulton County 9.039 plus Atlanta Public Schools 20.5, 39.909 mills on Georgia’s 40% assessment) and $2,257 a year for insurance (NerdWallet’s Atlanta average of $3,420 a year, scaled to this house assuming the $400K of dwelling coverage NerdWallet’s tables use). Get a landlord policy quote and the county’s tax estimate before you go under contract.

What credit score do I need for a DSCR loan in Atlanta?

660 or higher on the instant term sheet. Credit sets the leverage: 80% LTV at 700+, 75% at 680 to 699 and 65% at 660 to 679. Below 660, we price the file by hand across the network.

Can a first-time investor get a DSCR loan in Atlanta?

Yes. There is no experience requirement: the property qualifies, not your landlord history. You need 660+ credit, the down payment, 3 months of reserves and a rental whose rent covers the full payment, held in an LLC.

How fast does a DSCR loan close in Atlanta?

21-30 days days is typical once the appraisal with its rent schedule, the entity documents and the insurance binder are in.

Is Capital Kings a DSCR lender in Atlanta?

No. Capital Kings LLC is a broker. We shop your Atlanta rental across 400+ lenders, price it on one term sheet with every fee shown, and run the file to closing. Our 1% broker fee is the only money we earn on the loan.

Is a DeKalb County address in Atlanta taxed differently?

Yes. Part of the City of Atlanta sits in DeKalb County, with its own county and school millage. The rate on this page is the Fulton County part of the city; check the tax district before you underwrite.

Can I get a DSCR loan on an Atlanta house near the BeltLine?

Yes, on the same grid as the rest of the city. Prices along the BeltLine run high against rents, so expect the rent to set the loan size below the full LTV unless the rent is strong.

Who you’re working with

Founder & CEO

Micah Foster

Micah brokers DSCR, hard money and new construction loans for real estate investors across 37 states. He founded Capital Kings LLC to give investors a broker who shops the market on their behalf instead of pitching one lender product, and every term sheet he sends is itemized down to the last fee.

Send Micah your rental →

Keep reading

Before you buy the rental

Ready to price your Atlanta rental?

Two minutes to an instant DSCR term sheet. No credit pull, no tax returns, every fee on the page.

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