Merchants Mortgage & Trust for Georgia investors
Merchants Mortgage & Trust is a direct DSCR lender with a 660 minimum credit score, 0.75 minimum DSCR, and maximum 80% LTV. The company does not publish minimum/maximum loan size or state-coverage figures in the sources reviewed.
Georgia context
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws.
How Merchants Mortgage & Trust positions in Georgia
Georgia is well covered by national DSCR lenders, with Merchants Mortgage & Trust as one option. Where Merchants Mortgage & Trust differentiates: Direct DSCR lender. Where it competes: rates not publicly published against peer programs.
City-level coverage in Georgia
Merchants Mortgage & Trust provides DSCR coverage across Georgia metros including Atlanta, Savannah, and Augusta. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Merchants Mortgage & Trust program terms apply uniformly across Georgia metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Georgia property tax | 1% |
| Georgia state income tax | 5.4% |
Merchants Mortgage & Trust strengths in Georgia
- Direct DSCR lender
- 660 minimum credit score
- 0.75 minimum DSCR
- Maximum 80% LTV
Ideal borrower: Investor with a 660+ credit score and at least 0.75 DSCR seeking a direct lender.
FAQ
Likely; verify direct Georgia coverage. Merchants Mortgage & Trust is based in an undisclosed location and operates in states not publicly disclosed.
Atlanta is the top investor market in Georgia and is generally within Merchants Mortgage & Trust states not publicly disclosed footprint. Atlanta property tax follows the Georgia state rate of 1 percent. Merchants Mortgage & Trust typically underwrites Atlanta acquisitions at standard rate sheets.
Yes. Savannah ranks among the larger Georgia investor metros and sees consistent DSCR loan volume from Merchants Mortgage & Trust. Submarket variation within Savannah matters for property selection.
Merchants Mortgage & Trust applies the same rate sheet across Georgia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Atlanta, Savannah, and Augusta all qualify for the same Merchants Mortgage & Trust program.
Merchants Mortgage & Trust does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws. Merchants Mortgage & Trust follows standard business-purpose loan structures.
Merchants Mortgage & Trust funds rental DSCR in Georgia.
Georgia allows standard DSCR prepay structures; Merchants Mortgage & Trust typically uses 3-5 year step down.
Merchants Mortgage & Trust typical close: Not publicly published.
Bottom line
Georgia investors considering Merchants Mortgage & Trust should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Merchants Mortgage & Trust.