Purchase + Rehab. One Loan.
A fix and flip loan in Columbus funds purchase and renovation in one short-term, asset-based loan — hard money, underwritten on the deal and the after-repair value rather than your income. The Columbus specifics: Historic rehab in Lakebottom and Wynnton and cosmetic flips across the post-war stock with exits to VA buyers. Leverage, rehab caps and experience rules vary more between lenders than any other criterion, which is why LendingStreet places the file across thirty capital sources instead of one.
Check My Columbus Purchase & Rehab Options →The stock is pre-war stock in the historic district and Lakebottom, post-war ranches, and a military tenant base around Fort Moore. Historic rehab in Lakebottom and Wynnton and cosmetic flips across the post-war stock with exits to VA buyers. Moisture and termite are standard.
Georgia is non-judicial. The metro spans the Chattahoochee into Alabama — Phenix City and Smiths Station are Alabama properties with different law and tax. Fort Moore is one of the largest training installations in the Army, producing a large, high-turnover military tenant base.
Pre-war stock in Columbus means the scope is rarely what the walkthrough suggests. Budget for the mechanicals — wiring, supply lines, drain lines — before the finishes, and expect the inspector to find what the seller did not disclose.
Standard ranges across our capital sources: $150,000 to $5M+, up to 95% of total project cost, up to 100% of the rehab budget in draws, 6 to 18 months interest-only, 5 to 10 business days to close with 5-day expedited for experienced investors. Full detail and the current rate floor are on the fix and flip loan page. First-time flippers generally see lower leverage.
The Columbus metro — Columbus plus Phenix City, AL, Fort Moore area, Midland, Harris County and Smiths Station, AL — and the rest of Georgia via the Georgia fix and flip page. The active rehab corridors in Columbus include Historic District, Lakebottom, Wynnton, MidTown, North Columbus.
Size the loan and the cash to close in the ARV calculator, add the carry in the carrying costs calculator, and build the budget in the rehab cost estimator.
Also see: Atlanta, GA →Savannah, GA →
The gap between the loan and total project cost, plus points, third-party costs and the rehab you carry between draws. The ARV calculator returns it for your numbers.
Yes, through sources that write them — lower leverage, licensed GC attached.
Moisture and termite are standard. Budget contingency for it.
5 to 10 business days on a complete file; 5-day expedited for experienced investors. A BPO in lieu of appraisal is available on bridge structures.
Yes — fix-to-rent. Separate underwrite on rent and appraised value. Run it before you buy.
No credit pull. No commitment. Speak with a licensed financing firm with direct access to 30+ capital sources.
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2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.