Hard Money Loans Georgia
Asset-based Georgia hard money built for the nation’s #1 house-flipping state – up to 95% of purchase, 100% of the rehab funded in draws, and closings in as fast as 5-10 days across metro Atlanta and beyond.
- Hard Money Loans Georgia qualify on the property and the deal – not your tax returns
- Up to 95% LTC on the purchase and 100% of rehab costs reimbursed by draw
- Metro Atlanta flips, Savannah coastal projects, Columbus and Macon value-add – close in as little as 5-10 days
- Interest-only payments; no prepay on most programs; close in an LLC
- Foreign-national and first-time investors welcome; loans from $75K to $20M+
- Atlanta, Savannah, Augusta, Columbus, Macon, Athens and beyond
Free Georgia Hard Money Quote
What is a Georgia hard money loan?
A Georgia hard money loan is short-term, asset-based financing secured by the property itself. We underwrite the deal – purchase, rehab budget and after-repair value (ARV) – not your income or tax returns, so you can close in a week to ten days and pay interest only while you renovate and sell or refinance.
Georgia led the nation in flip activity, and speed is how you compete. Hard money lets you fund up to 95% of a metro Atlanta purchase and have 100% of your rehab reimbursed by draw, keeping your capital free to run several projects in the country’s busiest flip market.
Georgia hard money – the numbers that matter
| Purchase leverage (LTC) | As much as 95% of the Georgia purchase for seasoned investors |
|---|---|
| Renovation funding | The entire rehab budget reimbursed through draws |
| Cap vs. ARV | Typically up to 75% of after-repair value (ARV) |
| Pricing | Starting at 9.99%, interest-only while you renovate |
| Points / duration | Roughly 1.5-3 points; 6 to 18 months, extendable |
| Minimum credit | 620 and up, with no income documentation |
| Property scope | Metro Atlanta SFR, Savannah historics, small multifamily, mixed-use, new build |
| Amounts | From $75,000 to over $20 million |
| Ownership | Close in an LLC; foreign-national and first-time buyers welcome |
Why a Georgia hard money loan wins deals – and builds returns
Speed in the #1 flip state
Georgia led the U.S. in flip activity – flips were 12.3% of Q1 2026 metro Atlanta sales – so a 5-10 day close is how you win competitive deals.
95% LTC keeps GA capital free
Financing 95% of purchase means small down payments and cash left for your next metro Atlanta or Savannah acquisition.
100% of rehab, funded
We reimburse the full renovation budget by draw, so leverage turns a solid Georgia flip into an outsized cash-on-cash return.
Underwrite the deal, not you
No tax returns or W-2s. We qualify the Georgia purchase, rehab and ARV, so first-time and foreign-national investors get a fair look.
Ride Atlanta’s growth
Fast-growing suburbs like Dawson and Jackson counties (up 27%+ since 2020) keep buyer demand strong for renovated homes.
A clean GA exit
Flip and sell, or refinance into a 30-year DSCR rental with the same lender – the exit is built in so your Georgia project never stalls.
The Georgia real estate market in 2026 – investor deep dive
Georgia is the most active flip market in America, and 2026 is a stable, high-volume backdrop. The statewide median sits near $370,000 (up ~1.3%), with metro Atlanta around $429,000-$435,000 and nearly flat – a normalized market that rewards disciplined buying over speculation. Flipped homes were about 12.3% of Q1 2026 metro Atlanta sales, one of the highest shares of any major U.S. market.
The opportunity runs statewide: Savannah (median ~$295,500, up sharply from 2021) blends coastal and short-term-rental demand, while Columbus, Macon, Augusta and Valdosta offer affordable value-add entry. Suburban Atlanta is booming – Dawson and Jackson counties are up 27%+ since 2020 – so renovated homes meet real end-user demand. The play is to buy right in metro Atlanta and the secondary metros, budget carry realistically, and use hard-money speed to move first.
Top Georgia markets for hard money in 2026-2027
Metro Atlanta
The nation’s busiest flip market pairs deep inventory with fast-growing suburbs and steady in-migration for renovated single-family.
Savannah
Historic charm and tourism drive both flips and short-term rentals along the Georgia coast.
Augusta
The Masters, a growing medical hub and cyber jobs at Fort Eisenhower keep Augusta demand steady at low entry points.
Columbus
Military and manufacturing employment anchor affordable, dependable flip and rental fundamentals.
Macon
Among Georgia’s most affordable metros, Macon delivers strong cash-on-cash for buy-and-hold investors.
Athens
The University of Georgia anchors steady rental demand and student-housing value-add.
Sample Georgia fix & flip – 95% LTC + 100% of rehab
A representative Georgia flip financed with hard money. Leveraging 95% of the purchase and 100% of the rehab keeps the investor’s cash-in low and the project-level return high:
| Purchase price | $260,000 |
|---|---|
| Loan at 95% LTC (purchase) | $312,000 · investor down payment $13,000 |
| Rehab budget (100% financed, by draw) | $65,000 |
| After-repair value (ARV) | $430,000 |
| Interest (10.5% IO, ~6-month hold) | − $16,380 |
| Points & closing costs (est.) | − $10,240 |
| Selling costs (~6.5% of ARV) | − $27,950 |
| Estimated net profit | ≈ $54,430 |
| Cash invested (down + costs + reserves) | ≈ $23,240 |
Illustrative for 2026 and not a guarantee or an offer. Actual purchase, rehab, ARV, rate, points, taxes and sale costs vary by property, market, experience and program in Georgia. High leverage magnifies both returns and risk. Business-purpose, non-owner-occupied only. Consult your CPA. Equal Housing Lender.
Georgia hard money loan calculator
Estimate only. Assumes 100% of rehab financed, 2 points, ~$4,000 reserves/closing and 6.5% sale costs. Verify all figures with your Georgia loan officer.
Georgia hard money loan programs
Fix & Flip
Up to 95% LTC + 100% rehab; 6-18 month interest-only for buy-renovate-sell across Georgia.
Bridge
Fast Georgia bridge financing to acquire or reposition while you line up a permanent exit.
Ground-Up Construction
Lot plus vertical costs for infill and spec builds in metro Atlanta and beyond.
Cash-Out / Refi
Pull equity from a Georgia property to fund your next acquisition or rehab.
Rental (DSCR) Exit
Refinance your finished Georgia flip into a 30-year DSCR loan and keep it as a rental.
Short-Term Rental
Finance Savannah and coastal vacation rentals on an asset-based, no-income-doc basis.
Georgia cities we fund
We fund all Georgia markets – statewide, corner to corner. Don’t see your city? Send us the deal and we’ll fund it.
Georgia hard money loan FAQ
How fast can you close a Georgia hard money loan?
Clean deals with a complete file and clear title routinely close in 5-10 business days because we qualify the property and the deal, not your income.
Do you finance 95% LTC and 100% of the rehab in GA?
Yes – experienced Georgia investors can access up to 95% of the purchase price and 100% of the renovation budget by draw, subject to staying within about 75% of ARV.
What credit and documents do I need?
Credit from 620 with no income documentation. We focus on the Georgia purchase, rehab scope, ARV and your experience. Foreign-national and first-time investors are welcome.
What does a Georgia hard money loan cost?
Rates start around 9.99% interest-only with roughly 1.5-3 points depending on leverage, experience and the deal, keeping monthly carry low during the hold.
Which Georgia markets do you lend in?
Statewide – metro Atlanta, Savannah, Augusta, Columbus, Macon, Athens and every market in between.
Can I finance a Savannah short-term rental?
Yes – we finance Georgia vacation and short-term rentals, and you can refinance a finished flip into a 30-year DSCR loan to hold it.
Do you finance Savannah short-term rentals?
Yes – Savannah and coastal Georgia vacation rentals qualify on an asset-based basis, with a DSCR refinance available to hold them.
Do you lend near the Hyundai Metaplant in coastal Georgia?
Yes – we finance Bryan, Bulloch and Chatham County projects benefiting from the Hyundai Metaplant job growth.
Apply for your Georgia hard money loan
Tell us about your Georgia property – purchase price, rehab budget and ARV – and get real terms fast with no income docs and no hard credit pull to quote. Investor financing only: foreign-national and first-time investors welcome, close in an LLC, from $75,000 to $20 million+ statewide.
Get a Free Georgia Hard Money Quote
Georgia Real Estate Outlook 2027, 2028 and Beyond
Georgia’s outlook for 2027 and 2028 is powered by relentless in-migration and a manufacturing renaissance. The state keeps pulling residents from higher-cost states for jobs, weather and affordability, with suburban Atlanta counties like Dawson and Jackson up more than 27% since 2020 – structural demand that supports renovated-home sales and rentals well into 2028.
The jobs are landing at scale. Hyundai’s Metaplant in Bryan County is ramping toward a possible 800,000 vehicles a year by 2028, which would make it one of the largest auto plants in America, supporting 8,500+ direct jobs plus thousands more at suppliers. Add Qcells’ massive solar manufacturing buildout in Dalton, a booming film industry, and Microsoft and Google data-center investment, and coastal-to-north Georgia has a multi-engine growth story.
For a Georgia hard-money borrower, that means durable ARV and rent support in the country’s #1 flip market. Buy in metro Atlanta’s growth corridors and the fast-rising secondary metros near new plants, renovate, and exit into sustained demand. Closing in as fast as 5 days with up to 95% LTC and 100% of rehab funded lets you act on Georgia’s growth through 2027, 2028 and beyond.
Population, migration and relocation figures are third-party estimates and public projections, vary by source and county, and are not guarantees.
Georgia hard money rates, LTCs, ARVs, returns and terms shown are illustrative for 2026, subject to change, and depend on the specific property, credit, experience and program. Business-purpose, non-owner-occupied investment properties only. Not a commitment to lend. Equal Housing Lender.