Fix & Flip Loans in Georgia
Georgia (Atlanta metro especially) is one of the most active fix-and-flip markets in the Southeast. GA is a non-judicial state with one of the fastest US foreclosure timelines (32 days minimum from notice). Atlanta has deep wholesale lender networks and consistent flip-comp data.
Top Georgia markets for fix & flip
- Atlanta Metro: Top-tier flip market; broad rehab inventory across price tiers.
- Savannah: Historic-district flip work; restoration premium.
- Augusta / Macon: Lower entry; healthy first-time-flipper markets.
Georgia quick facts
- •Non-judicial foreclosure (32-day minimum)
- •GA RGC license required >$2,500
- •Property tax ~0.9-1.1%
- •Deep Atlanta flip lender network
Active programs available in Georgia
Bridge Loan for Investors
confirmed 5/9/2026Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026A residential transition loan program designed for real estate investors to finance property renovations and flips on non-owner-occupied properties.
Bridge Loan for Investors
confirmed 5/9/2026A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.
Bridge Loan for Investors
confirmed 5/10/2026Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
Georgia Fix & Flip FAQs
Georgia foreclosure timeline?
Non-judicial. Foreclosure sale can occur 32 days after the first notice publication - among the fastest in the US.
GA contractor licensing for flips?
Residential General Contractor license required for projects over $2,500 in the residential category. Most lenders require licensed GC documentation on rehab budgets.
GA property tax considerations?
Property tax around 0.9% statewide; Fulton County (Atlanta) higher around 1.0-1.1%. Homestead exemption available to owner-occupants only - flippers pay full rate.
General fix & flip questions
How is the loan amount calculated?
Two caps apply at the same time: a percentage of purchase price (often 85–90%) plus 100% of rehab budget, AND a percentage of the as-completed value (ARV), typically 70–75%. The lower of the two caps governs.
Do I need experience to get a fix and flip loan?
No, but pricing improves with experience. Most lenders tier rates by completed flips in the last 24–36 months: 0 flips, 1–2, 3–5, 6–10, 10+. First-time flippers with a strong contractor and reserves can still qualify.
How are rehab funds disbursed?
Rehab is held in escrow and released through a draw process — typically 3–6 draws based on completion of scoped line items, with an inspector verifying each draw.
Got a Georgia fix & flip scenario?
Tell us the deal - we'll match you with the right Georgia lender and come back with current pricing.