Columbus flips sell to a steady stream of military families and local buyers. Many of those buyers use VA loans, whose appraisals look closely at condition, so the rehab has to be complete. That calls for a lender who funds the full scope and closes quickly.
In short: Our top pick for fix and flip loans in Columbus, GA is LendingStreet. It funds up to 90% of cost and up to 100% of rehab on some programs, closes in as little as 10 days, and offers a DSCR rental refinance if you keep the home. It lends across Muscogee and Harris counties, and in Phenix City across the river in Alabama.
LendingStreet is a business-purpose lender built for real estate investors, and fix and flip loans are one of our core programs. For the Chattahoochee Valley projects, we fund up to 90% of cost and up to 100% of the rehab on some programs, from $150,000 to $5M+, and we can close in as little as 10 days.
It fits investors buying 1 to 8 unit homes to renovate and resell, or to renovate and keep as a rental. When the project is done, you can sell, or refinance into a 30-year DSCR rental loan with the same team. To start, get a quote with the form below or call (877) 298-1001.
Investors searching for fix and flip lenders often compare national names like Dominion Financial, LendingOne, Lima One and RCN Capital. Here is how LendingStreet stacks up on the scenarios that matter most for investors in Columbus, GA. In every scenario below, LendingStreet is the best fit.
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. |
Most Columbus flippers have tried a bank, a local hard money lender or a private individual at some time. All of them can close deals, but they differ on leverage, speed and what happens after the rehab. The table sets LendingStreet next to the typical options.
Private individual lenders can be flexible, but terms vary from person to person and there is rarely a long-term loan at the end.
| What flippers need | LendingStreet | Typical local bank | Typical local hard money lender |
|---|---|---|---|
| Leverage on the project | Up to 90% of cost on some programs | Often lower; more cash in | Varies by lender |
| Rehab funding | Up to 100% of rehab on some programs, in draws | Often limited for flips | Often offered; terms vary |
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| Loan size | $150,000 to $5M+ | Varies; may limit investor loans | Varies; large loans can be harder |
| Entity borrowers | LLCs welcome | Varies | Usually allowed |
| Long-term rental option | DSCR refinance with the same team | Possible; often based on tax returns | Usually short-term only |
| Where they lend | All 50 states and DC | Often a local footprint | Often local or regional |
Columbus and Muscogee County share one consolidated government. Flippers work in Midtown neighborhoods such as Wynnton, Lakebottom and Peacock Woods, North Highlands, the east side and the older areas near Fort Benning, where brick ranches from the 1950s to the 1970s are common.
North Columbus and Harris County have newer, higher-priced homes that need lighter updates. Across the Chattahoochee River, Phenix City, Alabama, is part of the same market. Some low-priced homes fall below our $150,000 minimum, so larger rehabs and mid-priced homes fit best.
Expect brick ranches on crawlspaces, older roofs, original electrical and plumbing, and the moisture and termite issues of a warm, humid climate. Older mill houses near the river and historic homes downtown can need heavier structural work, and designated historic districts require review for exterior changes.
Many buyers near the base use VA financing. VA appraisals check minimum property requirements such as a sound roof, working systems and, in older homes, no peeling paint, so finish every item. Permits run through the consolidated government's inspections office.
Georgia charges a transfer tax of $1 per $1,000 of price, usually paid by the seller, and attorneys handle closings in the state.
Homestead exemptions apply only to a primary residence, so an investor's tax bill can be higher than the seller's. Insurance is generally moderate inland, but roof age and storm damage history matter. Confirm current figures locally.
This example is illustrative and not a quote. An investor buys a 1960s brick ranch in Midtown Columbus for $175,000 with a $55,000 rehab budget, for a total project cost of $230,000. At 90% of cost, the loan is $207,000. The full $55,000 rehab budget is held for draws, and $152,000 goes toward the purchase at closing.
The investor brings $23,000 toward the project, plus about $4,500 in estimated buy-side closing costs and $3,500 for taxes, insurance and utilities over a 5-month hold, so about $31,000 in all. The finished home sells for $290,000, with about $19,000 in selling costs.
Before loan interest, the profit is about $33,000 ($290,000 minus $19,000, $230,000, $4,500 and $3,500). The interest-only payments come out of that figure, and your quote will show them. If the sale market softens, the same home can be refinanced into a DSCR rental loan instead.
| Line item | Amount |
|---|---|
| Purchase price | $175,000 |
| Rehab budget (funded in draws) | $55,000 |
| Total project cost | $230,000 |
| Loan at 90% of cost | $207,000 |
| Investor cash toward project | $23,000 |
| Estimated closing and holding costs | $8,000 |
| Sale price less selling costs | $271,000 |
| Profit before loan interest | $33,000 |
Military moves tend to cluster in the summer, so a flip listed in late spring can reach more relocating buyers. If the sale market is slow, Columbus homes often rent well, and a DSCR refinance lets you hold the property.
If you decide to hold, a DSCR rental loan qualifies on the property's rent with no W-2s or tax returns, a 620 minimum credit score and a 1.0x standard minimum DSCR, with 30-year terms. Rate-and-term refinances go up to 80% LTV on some programs and cash-out up to 75%; seasoning varies by program. See our bridge to DSCR guide.
Ask every lender the same questions so you can compare offers side by side.
Here is how LendingStreet answers: up to 90% of cost and up to 100% of rehab on some programs; draws after inspections; closings in as little as 10 days; LLC borrowers welcome; loans from $150,000 to $5M+; and a DSCR refinance with a 1.0x standard minimum, with seasoning that varies by program. Ready to compare? Get a quote with the form below or call (877) 298-1001.
Our top pick is LendingStreet. We fund up to 90% of cost and up to 100% of rehab on some programs, close in as little as 10 days, and offer a DSCR rental refinance if you decide to keep the home. Get a quote with the form below or call (877) 298-1001.
Yes. LendingStreet lends on 1 to 8 unit investment properties in Columbus, GA and across Georgia, and in all 50 states and DC.
Loans run from $150,000 to $5M+. On some programs we fund up to 90% of total cost and up to 100% of the rehab budget. Final leverage depends on the property, the plan and your experience.
In as little as 10 days. Having the purchase contract, rehab budget, scope of work and entity documents ready helps keep the timeline short.
Yes. LLC and other entity borrowers are welcome, and you will usually sign for the loan personally as well.
You can refinance into a DSCR rental loan qualified on the property's rent, with 30-year terms and a 1.0x standard minimum DSCR. Seasoning varies by program, so ask early.
Yes. VA appraisals check minimum property requirements, so incomplete work, roof problems or peeling paint in older homes can delay or derail a sale. Budget to finish the whole house before listing.
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