Close in 10 Days. 90% LTC.
Atlanta real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 620+ credit. Close in 5-10 days.
Check My Atlanta Rate →The stock is pre-war bungalows and craftsman stock inside the Perimeter, post-war ranches across the suburbs, and rapid new construction in the exurbs. Bungalow flips in Kirkwood, East Atlanta, West End and Adair Park are the signature product. Crawlspace moisture, knob-and-tube and the pace of the intown market are the recurring items.
Georgia is non-judicial with one of the fastest foreclosure timelines in the country, which keeps capital sources comfortable. The metro is 29 counties with wildly different tax rates — Fulton and DeKalb run high, the exurban counties low — and the same rent produces a different ratio depending on the county line. Basis varies enormously between the intown neighborhoods and the south side.
Pre-war stock in Atlanta means the scope is rarely what the walkthrough suggests. Budget the mechanicals before the finishes and expect the inspector to find what the seller did not disclose.
Also see: Savannah, GA →Augusta, GA →DSCR Loans in Atlanta →Columbus, GA →Macon, GA →
Fix & Flip loans in Atlanta qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Atlanta is the Southeast's economic hub — Delta, Coca-Cola, Home Depot, UPS, Chick-fil-A headquarters anchor a diversified economy. Hartsfield-Jackson (busiest airport in the world) and the film industry ('Hollywood of the South') add additional demand. Northern suburbs (Alpharetta, Roswell, Marietta) and eastern growth corridor (Gwinnett) are investor favorites.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Atlanta metro including Alpharetta, Roswell, Marietta, Duluth, and Lawrenceville.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. Atlanta submarkets like Buckhead have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Atlanta rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Atlanta — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Atlanta averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Atlanta fix and flip closings happen in 5-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Atlanta range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Atlanta fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
Crawlspace moisture, knob-and-tube and the pace of the intown market are the recurring items. Budget contingency for it.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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