Fix and Flip Loans Georgia
Flip financing for the nation’s #1 house-flipping state: up to 95% of purchase and 100% of rehab (or 90% purchase and 100% construction), to 75% of ARV, with fast draws across metro Atlanta and beyond.
- Fix and flip loans in Georgia are sized to the deal – purchase price, rehab budget and ARV
- 95% of purchase + 100% of rehab in draws, or 90% of purchase + 100% of construction on fix & flip, fix-to-rent or value-add projects
- Underwritten to 75% of the as-repaired value – room for a real margin
- 12-24 or 12-36 month interest-only; no prepay; refi to 90% LTV, cash-out to 75%
- 620+ credit, no income or W-2 docs on investment properties; first-time & foreign-national welcome
Free Georgia Flip Quote
How a Georgia fix & flip loan works
A fix and flip loan is short-term project financing for a buy-renovate-sell deal. Rather than your income, we underwrite the business plan – what you pay, what the rehab costs, and the after-repair value (ARV). Georgia led the nation in flip activity – flips were about 12.3% of Q1 2026 metro Atlanta sales. The statewide median is near $370,000 with Atlanta around $430,000 and nearly flat, while Savannah (~$295,500) and secondary metros offer affordable value-add, and suburban counties like Dawson and Jackson are up 27%+ since 2020.
The model keeps your own capital small and your Georgia flip velocity high, so you can run several projects a season and exit cleanly with a sale or a refinance into a rental.
The four numbers every Georgia flip lives or dies on
After-repair value – your finished, sold price. Every loan dollar is sized against it.
The ceiling: total loan generally stays within 75% of ARV, leaving room for profit.
Your renovation budget – funded 100% and reimbursed in draws as work is completed.
Holding costs – interest, insurance, taxes, utilities – every month until you sell.
| Purchase financing | Up to 95% of purchase (LTC), or 90% of purchase plus 100% of construction on fix & flip, fix-to-rent or value-add projects |
|---|---|
| Rehab financing | 100% of the renovation budget, released in draws |
| Total loan vs. ARV | Generally held within 75% of the after-repair value |
| Refinance / cash-out | Refinance up to 90% LTV; cash-out up to 75% |
| Rate & payments | From 9.99%, interest-only during the flip |
| Term | 12-24 or 12-36 months; extensions available; no prepayment penalty |
| Credit / docs | 620+; no income or W-2 documentation on investment properties |
| Exit | Sell the finished home, or refinance into a 30-year DSCR rental |
The Georgia flip playbook
Find the deal
Target under-market Georgia homes where comps support your ARV and end-user demand is real.
Fund it fast
Close in as fast as 5 days with 95% of purchase and 100% of rehab committed – or 90% of purchase and 100% of construction on fix and flip, fix-to-rent or value-add projects.
Renovate on draws
Draw your rehab budget in stages as work passes inspection, so you front far less and keep the crew moving.
Sell or refinance
List and sell into Georgia demand, or refinance into a 30-year DSCR loan and keep it as a rental.
A Georgia flip, by the numbers
A representative Georgia project funded with 95% of purchase and 100% of rehab, underwritten within 75% of ARV:
| Purchase price | $260,000 |
|---|---|
| Loan at 95% of purchase | $312,000 · your money in: $13,000 |
| Rehab budget (100% funded, by draw) | $65,000 |
| After-repair value (ARV) | $430,000 · total loan is 73% of ARV |
| Interest (10.5% IO, ~6-month flip) | − $16,380 |
| Points & closing (est.) | − $10,240 |
| Sale costs (~6.5% of ARV) | − $27,950 |
| Estimated net profit | ≈ $54,430 |
| Cash in the deal | ≈ $23,240 |
Illustrative for 2026, not a guarantee or an offer. Figures vary by property, market and experience. High leverage magnifies gains and losses. Business-purpose only. Consult your CPA. Equal Housing Lender.
Georgia flip profit calculator
Assumes 95% of purchase + 100% rehab, 2 points, ~$4,000 closing/reserves and 6.5% sale costs. Estimate only.
Where to flip in Georgia in 2026
| Market | Why flippers target it |
|---|---|
| Metro Atlanta | The nation’s busiest flip market with deep inventory. |
| Savannah | Coastal charm and tourism drive flips and short-term rentals. |
| Augusta | Masters, medical and cyber jobs at Fort Eisenhower. |
| Columbus | Military and manufacturing anchor affordable demand. |
| Macon | Among Georgia’s most affordable metros; strong cash flow. |
Cities with the highest investment return in Georgia (2026-2027)
| City | Why it ranks for 2026-2027 returns |
|---|---|
| Macon | Deep affordability and strong cash-on-cash. |
| Columbus | Military-anchored demand at low entry. |
| Augusta | Medical and cyber growth with value bases. |
| Savannah | Coastal and STR demand supporting resale. |
| Atlanta | #1 flip volume with steady in-migration. |
Big projects reshaping Georgia for 2027-2028
Georgia’s 2027-2028 catalyst is Hyundai’s Metaplant in Bryan County, ramping toward a possible 800,000 vehicles a year (8,500+ direct jobs), plus Qcells’ massive solar buildout in Dalton, a booming film industry, and data-center investment.
Buying near these job engines now positions your exit into the demand they create – Fund a Georgia flip near the growth →
Georgia fix & flip loan programs
Standard Fix & Flip
95% of purchase + 100% rehab; 12-24 or 12-36 month interest-only.
Heavy / Full Gut Rehab
Larger renovation budgets funded in structured draws for down-to-studs projects.
Ground-Up Build
90% of purchase plus 100% of construction for Georgia infill and spec builds.
BRRRR / Rental Exit
Flip, then refinance into a 30-year DSCR loan and keep the cash-flowing rental.
Cash-Out / Refi
Refinance up to 90% LTV or cash out up to 75% to fund the next deal.
Multiple-Project Lines
Scale several Georgia flips at once with repeatable, deal-by-deal funding.
Georgia flip markets we fund
We fund flips in every Georgia market. Don’t see your city? Send us the deal and we’ll price it.
Georgia fix & flip loan FAQ
How much of my Georgia flip do you finance?
Up to 95% of the purchase price plus 100% of the renovation – or 90% of the purchase and 100% of the construction on fix and flip, fix-to-rent or value-add projects – with the total loan generally within 75% of the after-repair value.
How is the rehab money released?
In draws. You fund the work, then we reimburse each stage as it is completed and inspected, keeping your out-of-pocket low.
What are the terms?
12-24 or 12-36 month interest-only, with extensions available and no prepayment penalty. Refinances go up to 90% LTV and cash-out to 75%.
How do you decide the ARV?
From comparable sales of similar recently renovated homes near your project, supported by an appraisal.
What credit and documents do I need?
620+ credit and no income or W-2 documentation on investment properties – we underwrite the deal, so first-time and foreign-national flippers are welcome.
How fast can a Georgia flip loan close?
As fast as 5 days on a clean file, because we qualify the project rather than your income.
What if I want to keep it as a rental?
Refinance the finished home into a 30-year DSCR loan with us – the BRRRR exit is built in from day one.
Fund your next Georgia flip
Send us the purchase price, rehab budget and ARV and get real terms fast – no income docs, no hard credit pull to quote. Business-purpose investor financing from $75,000 to $20 million+, first-time and foreign-national flippers welcome.
Get a Free Georgia Flip Quote
Georgia flip outlook: 2027, 2028 and beyond
Georgia’s in-migration and Hyundai-driven growth keep the #1 flip market strong into 2027-2028. Buy in Atlanta’s growth corridors and the fast-rising secondary metros near new plants, then exit into sustained demand.
Market and profit figures are third-party estimates for 2026-2028, vary by source and submarket, and are not guarantees.
Georgia fix & flip rates, advances, ARVs and terms shown are illustrative for 2026, subject to change, and depend on the property, credit, experience and program. Business-purpose, non-owner-occupied investment properties only. Not a commitment to lend. Equal Housing Lender.
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