DSCR Loans Savannah, Georgia
Finance a Savannah rental on its income - no tax returns or W-2s. Savannah is a port-and-tourism city with strong rents and short-term-rental upside in the historic district. We qualify on the property's rent with rates from 5.75%, up to 85% LTV, and DSCR from 0.75x.
- Qualify on the property's rent - no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- Savannah (Chatham County) · balanced cash flow & appreciation
- SFR, Condo, 2-4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Savannah DSCR Loans - Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property's rent / payment (DSCR), not your personal income.
- Market: Savannah (Chatham County) - balanced cash flow & appreciation.
- Max LTV: Up to 85% (purchase) · 75-80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720-780+). Rates: from 5.75%.
- Closing: as fast as 14 days. Vesting personal, LLC, or entity - foreign nationals eligible.
- Lender: CambridgeHomeLoan.com - direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in Savannah
What is a DSCR loan in Savannah, Georgia?
A Savannah DSCR loan qualifies on the property's rent divided by its full payment (PITIA), not your income. With a median home value near $336,000 and median rent around $1,900, Savannah is a port-and-tourism city with strong rents and short-term-rental upside in the historic district. We lend up to 85% LTV, accept DSCRs as low as 0.75x, and vest in an LLC or entity with no cap on financed properties.
| Qualifies on | The property's rent / PITIA (DSCR) - no personal income |
| Rates from | 5.75% (Tier 1; see rate table below) |
| Max LTV | Up to 85% (purchase) · 75-80% cash-out |
| Min DSCR | From 0.75x with compensating factors · no-ratio options |
| Min FICO | 620+ (best pricing 720-780+) |
| Vesting | Personal or LLC · foreign nationals eligible · no property cap |
| County | Chatham County |
How we compare
CambridgeHomeLoan vs. Top National DSCR Lenders
Savannah investors shop DSCR terms hard. Here is how our program stacks up against the terms commonly advertised by top national DSCR lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Rates from | 5.75% | ~5.75-6.5%+ |
| Max LTV (purchase) | Up to 85% | Typically 80% |
| Min DSCR | From 0.75x | 1.0 standard |
| Min FICO | 620 | 620-640 |
| Max loan amount | $20M+ | Commonly $3M-$5M |
| Foreign nationals | Yes - LLC, entity & foreign nationals | Limited / program-dependent |
| Fastest closing | As fast as 14 days | Varies |
| Model | Direct lender since 1998 | Direct lender |
"Top national lenders" reflects terms commonly advertised across the DSCR market as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Savannah market data
Savannah rental market at a glance (2026)
Representative 2026 indicators for underwriting context - confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Median home value (2026) | ~$336,000 (Zillow / Redfin) |
| Median rent (2026) | ~$1,900/mo (RentCafe / market) |
| Property tax (Chatham County) | ~0.9% effective |
| Best DSCR entry | SFR & townhomes |
| Investor angle | A port-and-tourism city with strong rents and short-term-rental upside in the historic district |
Savannah by the numbers (2026)
- Profile: Savannah is a port-and-tourism city with strong rents and short-term-rental upside in the historic district.
- Where it pencils: SFR and townhomes deliver the workable rent-to-price; we lend up to 85% LTV, DSCR from 0.75x.
- Tax: Chatham County's ~0.9% effective rate is built into PITIA when we size your loan.
Sources: Zillow, Redfin and RentCafe Savannah data, 2026. Estimates for illustration; confirmed per property by a Form 1007 appraisal and a real insurance quote.
Savannah rentals
Where Savannah rentals pencil for DSCR
Ranked by rent-to-price. SFR and townhomes give the best DSCR; higher-priced homes are appreciation plays. Representative 2026 ranges, confirmed per property by a Form 1007.
| Property type | Typical monthly rent (2026)* | DSCR outlook |
|---|---|---|
| 1-2BR condo / apartment | $1,500-$1,800 | Lowest entry; best rent-to-price for DSCR |
| Townhome | $1,700-$2,050 | Balanced cash flow and appreciation |
| 3BR single-family | $1,900-$2,250 | Core family-rental demand |
| 4BR / small multi | $2,250-$2,750 | Highest gross rent; per-unit or per-room upside |
*Approximate 2026 ranges for illustration - verify current rents for the specific address (an appraiser Form 1007 sets the qualifying figure).
Free tool
Savannah rent & DSCR calculator
Enter the property's monthly rent, your loan, and carrying costs to estimate your DSCR (rent / PITIA) and monthly cash flow. Defaults reflect Savannah medians. Illustrative only - final DSCR uses the appraiser's Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (Chatham County)
Illustrative only; not a rate quote or commitment to lend. We confirm rent with a Form 1007.
Rates
Savannah DSCR rate tiers (2026)
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% - strongest pricing |
| Tier 2 (720-779, ≤75% LTV) | ~6.25-7.00% |
| Tier 3 (660-719, ≤80% LTV) | ~7.00-7.75% |
| Tier 4 (620-659, up to 85% LTV) | ~7.75-8.50% |
Illustrative tiers, subject to change and underwriting. Not a rate quote.
Requirements
Savannah DSCR loan requirements
| Down payment | Typically 20-25% (purchase) |
| Credit | 620+ FICO; best pricing at 720-780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3-6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
Savannah DSCR loan FAQ
Why invest in Savannah with a DSCR loan?
Savannah is a port-and-tourism city with strong rents and short-term-rental upside in the historic district. A DSCR loan finances it on the property's rent - no tax returns or W-2s - so you can scale without income caps.
What are the DSCR loan requirements in Savannah?
620+ FICO (best pricing 720-780+), DSCR from 0.75x, up to 85% LTV on purchase and 75-80% cash-out, typically 20-25% down. We qualify on the property's rent via a Form 1007 - no tax returns or W-2s.
Which Savannah property types pencil best for DSCR?
SFR and townhomes typically deliver the strongest rent-to-price; higher-priced homes lean appreciation and may need more down to clear 1.0x.
Can I close in an LLC or as a foreign national in Savannah?
Yes. We vest in your name, an LLC, or an entity with no cap on financed properties, and we lend to foreign national investors on Savannah rentals.
Keep exploring
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(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change, and subject to borrower and property qualification and underwriting approval. Rate shown "from 5.75%" reflects the lowest advertised tier and is not a rate quote or commitment to lend. Market figures are third-party estimates for illustration only and are confirmed by a Form 1007 appraisal. This page is informational and does not constitute financial, legal, tax, or investment advice.