Cash-Out Refi to Buy Investment Property in Atlanta
Pull equity from your current property to fund your next investment. DSCR loans mean no personal income docs. Build your Atlanta portfolio faster.
Joe Pisa
Founder & Senior Loan Officer
NMLS #139369
"If Rocket, Chase, or your local credit union just crushed your dreams because of your credit score, self-employed income, or because you want to count your Airbnb income — you're in the right place."
Hey, Atlanta is one of the best markets in the country for real estate investors right now. Strong rental demand, reasonable prices compared to the coasts, and solid appreciation. If you already own property here — whether it's your primary residence or an investment — you're probably sitting on equity you could use to buy your next deal. We do cash-out refinances on primary residences, second homes, and investment properties. For investors, we use DSCR loans that don't require any personal income documentation. The property's rental income qualifies you, not your W-2.
Why We Close What Banks Deny
- Cash-out up to 80% LTV on primary residence
- Cash-out up to 75% LTV on investment properties
- DSCR loans — no personal income docs required
- Bank statement options for self-employed borrowers
- No limit on number of properties you own
- Close in 21-30 days
Recent Closings in Atlanta Metro, GA
These are real deals we closed. Banks denied them. We didn't.
Cash-out on primary — used $120k equity to buy duplex in East Atlanta
DSCR cash-out on rental — 1.4 DSCR, pulled $80k for next property
Bank statement cash-out — self-employed, bought 2 rentals with proceeds
Cash-Out Refinance Questions for Atlanta Metro, GA
Real questions we get daily — with straight answers
Can I cash-out refinance my Atlanta home to buy an investment property?
Yes. We do this every week. Pull equity from your primary residence (up to 80% LTV) and use it as down payment on your next rental.
What's the maximum cash-out on an investment property in Georgia?
75% LTV for DSCR loans. If your rental is worth $400k and you owe $200k, you could pull out $100k.
Do I need to show tax returns for a DSCR cash-out?
No. DSCR loans qualify based on the property's rental income, not your personal income. No tax returns, no W-2s, no pay stubs.
What DSCR do I need for cash-out in Atlanta?
1.0 minimum (rent covers payment). Most Atlanta rentals hit 1.2-1.5 DSCR easily with current market rents.
Can I do a cash-out on multiple properties at once?
Yes. We can structure portfolio cash-out refinances or do them individually. Whatever helps you scale faster.
What about properties in Marietta, Smyrna, or Kennesaw?
We close all over metro Atlanta — Cobb County, Gwinnett, DeKalb, Fulton. These suburban markets have great rental demand.
NorthStar Funding is a licensed mortgage broker. NMLS #139369. Equal Housing Lender. All loans subject to credit approval. Rates and terms subject to change without notice.