Fix and Flip Loan Georgia

Last updated: March 31, 2025

Georgia is one of the best states in the country for real estate investors, and if you're flipping houses or building a BRRRR portfolio, the right financing is key to your success. OfferMarket’s Fix and Flip loan program gives Georgia investors fast, reliable capital to acquire and renovate residential investment properties.

From Atlanta to Augusta, Macon to Savannah, Georgia is full of opportunities for profitable investment—if you can move quickly and fund confidently. That’s where we come in.

Whether you’re a first-time flipper or a seasoned operator scaling your portfolio, our flexible loan program helps you act decisively in competitive markets.

Why Georgia is a Fix and Flip Hotspot

Georgia continues to attract investors from across the country for several reasons:

• High population growth: migration trends support long term price appreciation and liquidity
• Strong housing demand: new construction hasn’t kept up with demand
• Favorable landlord laws and tax environment
• Affordability in second-tier markets like Columbus, Albany, and Warner Robins
• Diverse exit strategies: flip for profit or BRRRR into rental hold

With multiple high-growth metros and steady demand for quality renovated housing, Georgia offers flippers and landlords strong upside with manageable risk—especially when paired with the right capital partner.

What is a Fix and Flip Loan?

A Fix and Flip loan is short-term financing for purchasing and renovating residential real estate. Once the rehab is complete, you’ll either sell the property for a profit or refinance into a long-term rental loan.

Key benefits of our Georgia Fix and Flip loans:

• Loan amounts from $25,000 to $2,000,000
• Close in as few as 5 business days
• Up to 90% purchase and 100% rehab financed
• No prepayment penalty
• Interest-only monthly payments
• 12 to 24-month terms
• Works for flips or BRRRR strategy
• Available in all Georgia markets and rural counties

This program is designed specifically for real estate investors—not homeowners. The loan must be for business purposes and the property must be non-owner occupied.

Cities We Serve In Georgia

We fund deals statewide, including but certainly not limited to:

• Metro Atlanta: Atlanta, Marietta, Decatur, Lawrenceville, Stone Mountain, Alpharetta
• Middle Georgia: Macon, Warner Robins, Milledgeville
• South Georgia: Valdosta, Tifton, Waycross, Thomasville
• East Georgia: Augusta, Statesboro
• North Georgia: Gainesville, Rome, Dalton
• West Georgia: Columbus, LaGrange, Newnan, Carrollton
• Coastal Georgia: Savannah, Brunswick, Hinesville

If your project is in a rural area or a lower-density zip code, see the Rural Properties section below for specific guidelines.

Loan Structure Overview

Fix and Flip loans have two main components:

• Initial Advance: Covers a percentage of your purchase price and is wired at closing
• Construction Holdback: Covers rehab costs and is reimbursed through draw requests

Depending on your experience level and credit score, we can offer:

• Initial Advance: Up to 90% of purchase price
• Construction Holdback: Up to 100% of rehab costs
• Max LTARV: 75% of After Repair Value
• Minimum credit score: 680
• Entity type: Must be an LLC or Corporation

We adjust loan amounts based on borrower experience, project scope, and rural designation. The more experience you have, the more leverage you’ll qualify for.

Experience-Based Leverage Tiers

We offer five experience tiers to determine leverage:

• Tier 1: 0 completed projects — Up to 80% purchase, 100% rehab
• Tier 2: 1–2 completed projects — Up to 85% purchase
• Tier 3: 3–4 completed projects — Up to 85% purchase
• Tier 4: 5–9 completed projects — Up to 90% purchase
• Tier 5: 10+ projects — Up to 90% purchase

Tier is also used to determine eligibility for heavier rehab scopes and higher LTFC limits.

Rehab Budget Guidelines

We categorize your project scope into 4 classifications:

• Light: Rehab budget < 25% of purchase price
• Moderate: 25%–49.99%
• Heavy: 50%–99.99%
• Extensive: 100%+ of purchase price (i.e., additions or structural work)

Eligibility based on Tier:

• Light: All tiers eligible
• Moderate to Extensive: Minimum Tier 2 required; higher tiers recommended

We prioritize deals with dual exit strategies and projects that can withstand market shifts. If your plan is to refinance, make sure your DSCR post-renovation is 1.1 or higher.

Fix and Flip Loans for Rural Georgia Properties

Many Georgia investors are capitalizing on opportunities in rural markets where purchase prices are lower and rental yields are strong. Whether you're flipping in Butts County or stabilizing a duplex in Emanuel County, rural areas offer affordable entry points.

Rural property loan considerations:

• Subject to a reduction in leverage: max 65% initial advance
• Minimum Tier 3 experience required
• Max lot size: 5 acres
• As Is value must be verifiable via comps
• Properties designated rural by the USDA or CFPB will be underwritten conservatively

Check rural status before submitting your deal to avoid surprises during underwriting.

Example Georgia Fix and Flip Deals

Atlanta, GA

• Purchase Price: $180,000
• Rehab Budget: $45,000
• ARV: $300,000
• Tier: 3
• Initial Advance: $153,000
• Holdback: $45,000
• Total Loan: $198,000
• LTARV: 66%

Macon, GA

• Purchase Price: $85,000
• Rehab Budget: $30,000
• ARV: $160,000
• Tier: 2
• Initial Advance: $72,250
• LTFC: 85.5%

Rome, GA (Rural)

• Purchase Price: $60,000
• Rehab Budget: $25,000
• ARV: $120,000
• Tier: 4
• Initial Advance (adjusted for rural): $39,000
• LTFC: 75%

Step-by-Step Loan Process

1. Submit your application online
2. Instant quote generated with terms
3. Upload documents: contract, scope of work, bank statements, entity docs
4. Valuation: appraisal or in-house based on eligibility
5. Clear conditions and close: funds wired to title
6. Draw construction funds as milestones are completed

Our tech-enabled process and investor-focused underwriting make us one of the fastest and easiest lenders to work with.

Why Georgia Investors Trust OfferMarket

Here’s why real estate investors choose OfferMarket:

✅ Speed: Close in as little as 5–7 business days
✅ Flexibility: Dual exit strategy support—flip or rent
✅ Experience-based underwriting: Better terms as you grow
✅ Low cost: No prepayment penalty, competitive rates, no hidden junk fees
✅ Nationwide reach: Ideal for Georgia investors scaling out-of-state
✅ Loan size flexibility: $25K to $2M means you can scale affordably
✅ Transparent communication: Clear docs, fast responses, no surprises

Georgia Property Types We Finance

We fund the following residential non-owner occupied properties:

• Single Family Homes (≥700 sq ft)
• Townhomes
• Condominiums (≥500 sq ft)
• Duplexes, Triplexes, Quadplexes (≥500 sq ft per unit)
• Planned Unit Developments
• Fee-simple ownership only

Ineligible property types:

• Mixed-use or commercial
• 5+ unit multifamily
• Mobile/manufactured homes
• Properties on dirt roads
• Non-warrantable condos
• Unique or luxury properties
• Properties with oil/gas leases

Georgia-Specific Tips for Flippers

1. Focus on C-class neighborhoods in strong school zones — these areas offer great cash flow potential for BRRRR exit strategies.
2. Permits can be slow — always factor in municipal delays for more complex rehabs.
3. Don't overlook smaller cities — places like Warner Robins and Dalton often outperform on ROI.
4. Check for flood zones in coastal counties — rehab premiums and insurance costs can vary dramatically.
5. Work with local contractors who know city inspection timelines — this will save you major headaches on draw timing.

Ready to Fund Your Next Georgia Deal?

Hundreds of investors in Georgia trust OfferMarket for fast, low-cost capital. Whether you’re buying your first flip in Columbus or scaling your BRRRR portfolio in Atlanta, we’re ready to help you succeed.

👉 Get an instant quote now

Let’s build wealth together—one property at a time.