Atlanta Hard Money and Investor Loans

Yes. We are a Direct lender and Atlanta is an active market for us. Our office is in Bee Cave, Texas, and we fund deals across the metro, including Atlanta, Marietta, Sandy Springs, Roswell, Alpharetta, Decatur, Smyrna, and Kennesaw, and out through Fulton, DeKalb, Cobb, Gwinnett, Cherokee, Forsyth, Douglas, Paulding, Clayton, Fayette, and Rockdale counties. Every loan is business-purpose only, on investment property, and terms are subject to underwriting. See how we lend across Georgia or talk to us.

Same-day term sheet, and funding in as few as 5 to 7 days once title and insurance come together. The Georgia difference is who sits at the table. Georgia requires a licensed Georgia attorney to conduct the closing. The Supreme Court of Georgia treats preparing and facilitating a deed as the practice of law, the attorney has to be physically present rather than supervising by phone, and closing in violation of that is a misdemeanor with civil liability attached. There is no title-company-closes-it path, and the attorney holds and disburses the escrow. If your deal is a double close, both the A to B and B to C legs run through that attorney, so pre-clear them before the contract, not after. Georgia also secures the loan with a security deed rather than a mortgage, which conveys legal title to the lender. The foreclosure calendar, on the other hand, will look familiar to anyone who has bought in Texas: Georgia is non-judicial, and sales run the first Tuesday of the month between 10 a.m. and 4 p.m. at the county courthouse, after 30 days notice to the debtor and four weekly advertisements in the county legal organ with at least 21 days between the first ad and the sale. That is roughly a 37-day practical minimum from first publication, and it is a fixed monthly window a bank timeline will not clear. Apply now. Subject to underwriting.

The volume is real. The headline profit number is gross, not net. ATTOM put Atlanta at the second-highest home-flipping rate of any large U.S. metro in the first quarter of 2026, at 12.3% of all home sales, and the highest of any metro over 1 million people. The deal-level averages for that quarter were a $370,335 purchase, a $470,256 resale, $99,921 of gross profit, a 27.0% gross ROI, and a 91-day average hold, against a 25.4% gross ROI nationally. Read that gross profit for what it is: resale price minus purchase price, with no deduction for rehab, financing, carry, or selling costs. A $99,921 spread is not $99,921 in your pocket, and anyone quoting it to you that way is quoting a number you will not see. The 91-day average hold is the useful one, because it means a 12-month bridge term has real room in it. The risk is on the exit rather than the timeline: 4.0 months of supply as of March 2026, up 6.4% year over year, and a median down 1.6%. We underwrite your ARV and your days-on-market assumption hardest for that reason.

It lands here harder than anywhere else, and the likely effect is more build-to-rent competition rather than less competition overall. Metro Atlanta has the largest institutional single-family rental footprint in the country. The American Economic Liberties Project counts roughly 72,000 institutionally owned homes, and John Burns Research put institutional ownership at 27.9% of the metro single-family rental stock as of July 2025, about four times the national average. Treat those percentages carefully, because the number swings with the definition: the same review notes three companies own about 19,000 homes, roughly 11% of the region's single-family rental market but only about 0.6% of metro Atlanta's roughly 3 million homes, and study definitions range from 15 properties to 2,000. The 21st Century ROAD to Housing Act became law on July 11, 2026 and takes effect January 7, 2027. It bars an entity with investment control of 350 or more single-family homes from purchasing single-family homes, with civil penalties up to the greater of $1,000,000 per violation or three times the purchase price, and there is no divestiture requirement for homes already owned. Build-to-rent is exempt. Atlanta had about 3,500 build-to-rent units under construction as of the first quarter of 2026, the third-largest pipeline in the country. Our read, and it is a read rather than a forecast, is that institutional capital shifts toward the exempt channel, which means less institutional bidding on your resale exit and more new rental product competing with your hold. See the DSCR program.

More than the seller's current bill, and Georgia's new tax cap will not help you. Georgia assesses property at 40% of fair market value, so the effective rate is the millage times 0.40, and the county general-fund levy is only part of it. Fulton County held its general fund at 8.87 mills for 2025, the fourth straight year at that rate, while school district and municipal levies are separate and usually the larger share of the bill. The quirk that catches out-of-state buyers is HB 581. It created a statewide floating homestead exemption effective January 1, 2025 that caps annual growth in a homestead's taxable value at CPI, but it is a homestead exemption, so it never applied to investment property, and Fulton, Gwinnett, Cobb, DeKalb, their school districts, and the City of Atlanta all opted out anyway before the March 1, 2025 deadline. Your property gets reassessed to market with no inflation cap, so underwrite the post-purchase number rather than the seller's bill, especially on a rehab in Fulton or DeKalb. Insurance is the other line moving fast: Georgia premiums rose 8.6% in 2025 against a 5.6% national average, are up about 39.7% since 2021, and another 10% increase is projected for 2026, with roof age a common underwriting trigger. On closing costs, Georgia charges transfer tax of $1.00 per $1,000 of price, customarily seller-paid but negotiable, and intangible recording tax of $1.50 per $500 of note face amount, about 0.30% of the loan, capped at $25,000. Talk to your CPA or your closing attorney about your own position.

It depends on the program, and on our asset-based loans it is not the gate. Fix and flip, bridge, and construction carry no minimum score: we underwrite the property, the equity, and the exit. DSCR and bank statement loans start at 640, and conventional investment at 580. Transactional funding has no credit check at all. Weaker credit is usually handled with lower leverage rather than a decline, and there is no hard credit pull to start. Subject to underwriting.

Between nothing and 25%, depending on the structure. Transactional funding covers 100% of the A-to-B leg. Fix and flip runs up to 90% of purchase plus up to 100% of rehab, so roughly 10% down. DSCR and conventional go to 80% LTV, so on a $450,000 Atlanta property that is $360,000 from us and $90,000 from you (450,000 x 80% = 360,000). Commercial bridge is 75%, so 25%. SBA reaches 90% on an owner-occupied building. Budget Georgia's closing lines on top of the down payment. Every one of those is subject to underwriting.

Yes, and it is common. First-time flippers are welcome, and out-of-state investors make up a real share of what we fund. What changes on a first Atlanta deal is not whether we lend, it is how hard we underwrite the buy and how early you line up your closing attorney, since Georgia requires one and their calendar is part of your timeline. Subject to underwriting.

$100K on fix and flip, DSCR and bank statement loans, well under the metro median. Portfolio loans start at $500K across 5 or more properties, and SBA at $350K. Ceilings run to $5M on fix and flip and construction, $3M on DSCR and bank statement, and $10M on commercial bridge. If your Atlanta deal sits under a floor, talk to us and we will point you at the right structure. Subject to underwriting.