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
Fix & Flip Loan for Investors
confirmed 5/14/2026Non-recourse bridge financing for real estate investors to acquire, renovate, and stabilize single-family and build-for-rent portfolios with terms up to 24 months.
Fix & Flip Loan for Investors
confirmed 5/28/2026Flexible fix and flip financing for 1-4 family properties, including manufactured homes and rural properties, with no income or reserves required.
Fix & Flip Loan for Investors
confirmed 5/20/2026A fix and flip loan program for experienced real estate investors offering fast funding in as little as 5 days and potential for post-closing appraisals for qualified borrowers.
Bridge Loan for Investors
confirmed 5/20/2026A short-term bridge loan with terms ranging from 12 to 24 months, designed for investors with at least 2 years of experience. This program does not require a DSCR calculation and offers up to 80% LTV.
DSCR Loan for Investment Properties
confirmed 5/20/2026A 30 or 40-year fixed-term bridge loan for investment properties that requires a DSCR of at least 0.80. This program allows for up to 80% LTV and is available for single-family homes, 2-4 units, non-warrantable condos, and condotels.
Fix & Flip Loan for Investors
confirmed 5/20/2026Short-term financing designed for real estate investors to acquire and renovate properties with fast closing timelines.
Bridge Loan for Investors
confirmed 5/19/2026A short-term financing solution for real estate investors to manage multiple projects and property acquisitions with a line of credit available for up to twelve months.
Fix & Flip Loan for Investors
confirmed 5/28/2026A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.
Fix & Flip Loan for Investors
confirmed 5/11/2026Short-term financing for stalled construction or renovation projects, offering interest-only payments and up to 90% of cost for refinances.
Bridge Loan for Investors
confirmed 5/11/2026Short-term bridge financing for investment property purchases with no prepayment penalties.
Fix & Flip Loan for Investors
confirmed 5/10/2026Hard money financing for real estate investors covering up to 100% of purchase and rehab costs, limited to 70% of the after-repair value.
Fix & Flip Loan for Investors
confirmed 5/28/2026Fix and flip financing for commercial projects with loan amounts up to $5MM, featuring options for light and heavy rehabs.
Fix & Flip Loan for Investors
confirmed 5/29/2026Hard money financing solutions for real estate investors and buyers, including options for mobile homes, rural homes, and land.
Bridge Loan for Investors
confirmed 5/12/2026Short-term bridge financing for investors to acquire or refinance distressed or non-warrantable condo units.
Bridge Loan for Investors
confirmed 6/4/2026Bridge 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 6/2/2026Financing 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.
See live Georgia pricing
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