Atlanta is one of the country's busiest flip markets, with intown bungalows, mid-century ranches and suburban homes across several counties. Good deals move fast, so the financing has to be ready when you are.
In short: LendingStreet is our top pick for Atlanta, GA flippers for three reasons: leverage of up to 90% of cost with up to 100% of rehab on some programs, closings in as little as 10 days, and a built-in path to a long-term DSCR rental loan if you decide to hold. In Atlanta, where good deals move fast, closing speed matters most.
Why investors choose LendingStreet: one lender for the flip loan and the long-term rental loan, leverage of up to 90% of cost, and closings in as little as 10 days. We lend only on non-owner-occupied investment property, and LLC borrowers are standard.
It fits Atlanta investors buying, renovating and reselling 1-8 unit homes, from first projects with an experienced contractor to repeat flippers running several jobs at once. Ready to price it? Use the form below or call (877) 298-1001.
If you are weighing Dominion Financial, LendingOne, Lima One and RCN Capital for a fix and flip loan for investors in Atlanta, GA, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Intown flippers work neighborhoods such as West End, Westview, Adair Park, Oakland City, Kirkwood, East Atlanta, Grant Park and Capitol View, where craftsman bungalows and small brick homes still trade below renovated values. Outside the city, investors buy in Decatur, College Park, Smyrna, Tucker, Stone Mountain and parts of Gwinnett and Clayton counties.
The metro spans many counties and cities, so permitting, taxes and buyer expectations change from one address to the next. Resale buyers in renovated intown neighborhoods expect finished basements, open kitchens and updated systems.
Older intown homes often need full electrical and plumbing updates, HVAC replacement, foundation and pier repair, termite damage repair and new roofs. Many are pre-1978, so lead-safe work rules apply.
Permits in the city go through the City of Atlanta's building office, while suburban addresses go through the county or city that has jurisdiction. Some intown neighborhoods sit in historic districts, where exterior changes need review first, so check before you plan the scope.
Atlanta investors usually compare three kinds of lenders. The table below shows them side by side. Private individual lenders can also fund flips, but terms depend entirely on the person lending.
| What flippers need | LendingStreet | Typical bank or credit union | Typical local hard money lender |
|---|---|---|---|
| Closing timeline | As little as 10 days | Usually slower | Often quick |
| Purchase and rehab in one loan | Yes, with draws after inspections | Not always | Varies |
| Income documents | Deal-focused review | Often tax returns and W-2s | Usually deal-focused |
| Path to a 30-year rental loan | Built in: DSCR refinance | Separate process | Usually no long-term option |
| Loan size range | $150,000 to $5M+ | Varies | Often smaller balances |
Georgia's real estate transfer tax is $1 per $1,000 of value, which is low compared with many states. Georgia also charges an intangible recording tax on long-term loans. Title, attorney and recording fees apply on both ends, and closings in Georgia are typically handled by an attorney.
Property taxes vary by county and city, and a renovated house can be reassessed at a much higher value. Insurance is generally manageable, but older roofs can affect it. Atlanta requires a license for short-term rentals, so check the rules before you plan that exit.
Say you buy a 1940s bungalow in Westview that needs a full interior, new HVAC, electrical, plumbing and a roof. The purchase price is $285,000 and the rehab budget is $95,000, for a total cost of $380,000.
At 90% of cost, the loan is $342,000. It covers the full $95,000 rehab through draws and $247,000 of the purchase, so you bring $38,000 down plus closing costs. Estimated interest-only cost is about $16,200 over 6 months, assuming the rehab is drawn evenly. If the house sells for $500,000 after assumed closing and selling costs, the estimated profit before taxes is about $60,300.
This example is illustrative and not a quote. Your terms, costs and values will differ.
| Item | Amount |
|---|---|
| Purchase price | $285,000 |
| Rehab budget | $95,000 |
| Total project cost | $380,000 |
| Loan at 90% of cost | $342,000 |
| Rehab funded by the loan (100%) | $95,000 |
| Purchase funded by the loan | $247,000 |
| Cash down at purchase | $38,000 |
| Estimated interest-only cost over the hold | $16,200 over 6 months |
| Assumed purchase closing costs (3%) | $8,600 |
| Assumed selling costs (7%) | $35,000 |
| Resale value after repairs | $500,000 |
| Estimated profit before taxes | $60,300 |
Atlanta rents support a strong rental exit in many submarkets. If you hold, refinance the finished house into a DSCR rental loan that qualifies on the property's rent, which is how many investors run BRRRR deals here.
Our DSCR rental loans start at $150,000 with 30-year terms, cash-out up to 75% LTV, a 620 minimum credit score and no W-2s or tax returns. That makes the switch from a short-term flip loan to a long-term rental loan straightforward.
Ask every lender the same questions so you can compare offers fairly:
Here is how we answer each one: leverage up to 90% LTC with up to 100% of rehab on some programs, closings in as little as 10 days, draws released after inspections, LLCs as standard borrowers, a DSCR refinance with a 1.0x standard minimum and sub-1.0 options, seasoning that varies by program, and a range of $150,000 to $5M+.
Have your purchase contract, scope of work and resale estimate ready. Fill out the form below or call (877) 298-1001, and we will tell you how the deal fits.
Our top pick is LendingStreet. We lend up to 90% of cost, fund up to 100% of rehab on some programs, close in as little as 10 days and offer a DSCR refinance if you decide to hold. Get a quote with the form below.
Yes. LendingStreet lends on 1-8 unit investment property in Atlanta, across Georgia and in all 50 states and DC. Call (877) 298-1001 or use the form below.
LendingStreet can close in as little as 10 days. Having your contract, scope of work and entity documents ready helps.
Up to 100% of rehab on some programs, released through draws after inspections, within an overall limit of up to 90% of total cost.
Georgia closings are typically handled by an attorney. Ask your closing attorney for the full cost breakdown on your purchase and your resale.
They can. Some intown neighborhoods need design review before exterior changes. Check with the city before you plan new windows, porches or additions.
Yes. LendingStreet offers DSCR rental loans that qualify on the property's rent, with 30-year terms and no W-2s or tax returns. Seasoning varies by program.
Experience helps, and terms can depend on it. First-time flippers with an experienced contractor, a clear budget and a realistic exit can still apply.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
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