Augusta's flip market is anchored by Fort Gordon, the medical district and a large regional workforce. Brick ranch homes and older in-town houses make up much of the inventory, and buyers come from both sides of the Savannah River.
In short: For Augusta, GA investors, LendingStreet stands out as the top pick: loans from $150,000 to $5M+, up to 90% of cost, up to 100% of rehab on some programs, and closings in as little as 10 days, plus a DSCR refinance when holding beats selling. In Augusta, where many flips can also work as rentals, that two-exit plan matters.
Our top pick is LendingStreet because flippers need speed, leverage and a backup exit, and we offer all three. Fix and flip loans run from $150,000 to $5M+, we can fund up to 100% of rehab on some programs, and the finished property can move into a DSCR rental loan.
It fits Augusta investors buying, renovating and reselling 1-8 unit homes, from first projects with an experienced contractor to repeat flippers running several jobs at once. To get started, send your deal through 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 Augusta, 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. |
Augusta and Richmond County are a consolidated government, and investors buy in West Augusta, Summerville, Harrisburg, Olde Town and south Augusta near Hephzibah. Columbia County, with Evans, Martinez and Grovetown, has newer subdivisions and higher prices, and North Augusta sits across the river in South Carolina.
Military families from Fort Gordon, staff at the hospitals and medical college, and the growing cyber and defense workforce create steady demand. That supports both resale buyers and long-term renters, so many Augusta flips can pivot to a rental if needed.
Brick ranch homes from the 1960s and 1970s often need HVAC replacement, updated baths and kitchens, new flooring, roof work and sometimes foundation repair. Older homes in Summerville and Harrisburg can need electrical, plumbing and termite damage repair.
Permits in Augusta go through the city-county planning and development office, and Columbia County runs its own, so confirm which office has jurisdiction before you schedule trades. Lead-safe work rules apply on pre-1978 homes, and older houses near downtown may sit in historic districts that review exterior changes.
Below is a fair comparison of LendingStreet with the lender types common in Augusta. Private individuals also lend on flips, with terms that vary from deal to deal.
| What flippers need | LendingStreet | Typical bank or credit union | Typical local hard money lender |
|---|---|---|---|
| Fast closing on competitive deals | Yes, as little as 10 days | Often too slow | Often fast |
| Leverage on cost | Up to 90% LTC | Lower in most cases | Fees and terms vary |
| Rehab budget funded | Up to 100% on some programs | Limited | Varies |
| Refinance into a rental loan | Yes, DSCR loan qualified on rent | May need full income review | Not usually offered |
| Entity borrowers | LLCs are standard | Varies | Usually allowed |
Georgia's transfer tax is $1 per $1,000 of value, and title, attorney and recording fees apply on the purchase and the resale. Georgia closings are typically handled by an attorney.
Property taxes differ between Richmond and Columbia counties, so check the rate for the exact address. Summer heat and storms affect roof and HVAC schedules. If you list in Columbia County, buyers often compare against newer construction, so finish quality matters.
Say you buy a 1970s brick ranch in West Augusta with original baths, an old HVAC system, worn floors and a dated kitchen. The purchase price is $150,000 and the rehab budget is $50,000, for a total cost of $200,000.
At 90% of cost, the loan is $180,000. It covers the full $50,000 rehab through draws and $130,000 of the purchase, so you bring $20,000 down plus closing costs. Estimated interest-only cost is about $7,100 over 5 months, assuming the rehab is drawn evenly. If the house sells for $265,000 after assumed closing and selling costs, the estimated profit before taxes is about $34,800.
This example is illustrative and not a quote. Your terms, costs and values will differ.
| Item | Amount |
|---|---|
| Purchase price | $150,000 |
| Rehab budget | $50,000 |
| Total project cost | $200,000 |
| Loan at 90% of cost | $180,000 |
| Rehab funded by the loan (100%) | $50,000 |
| Purchase funded by the loan | $130,000 |
| Cash down at purchase | $20,000 |
| Estimated interest-only cost over the hold | $7,100 over 5 months |
| Assumed purchase closing costs (3%) | $4,500 |
| Assumed selling costs (7%) | $18,600 |
| Resale value after repairs | $265,000 |
| Estimated profit before taxes | $34,800 |
Many Augusta flips can become rentals. With demand from military households and hospital staff, a finished house can refinance into a DSCR rental loan that qualifies on the property's rent instead of your personal income.
A DSCR refinance with LendingStreet uses the property's rent to qualify, allows cash-out up to 75% LTV, requires a 620 minimum credit score and offers 30-year terms. Seasoning rules vary by program, so ask early.
Ask every lender the same questions so you can compare offers fairly:
LendingStreet answers them this way: up to 90% of cost, up to 100% of rehab on some programs, closings in as little as 10 days, inspection-based draws, LLC borrowing, a 1.0x standard DSCR minimum on the refinance with sub-1.0 programs available, seasoning that varies by program, and loans from $150,000 to $5M+.
Share your deal with the form below, including the rehab scope and your exit plan, or call (877) 298-1001. We will review it and get back to you quickly.
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 Augusta, 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.
It supports steady demand from buyers and renters, along with hospital and medical college staff. That gives many Augusta flips two workable exits.
Both work. Columbia County usually has higher values and newer competition, and Richmond County has more older homes. Your budget and resale plan decide which fits.
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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