Georgia Investment Property Loans

Georgia, and metro Atlanta in particular, is one of the deepest single family rental markets in the country. It is also a market where the gap between neighbourhoods is unusually wide, which makes comparable sales selection the thing that decides whether your deal is financeable.

Comparable sales discipline in Atlanta

Values inside metro Atlanta can shift substantially across a short distance. A comparable sale pulled from a mile away in a different submarket can produce an after repair value the appraiser will not support, and the loan resizes at exactly the wrong moment.

Keep comparables tight, prefer sold properties over listings, and match the finish level you are actually delivering. The ARV calculator will average your comparables and give you a maximum offer, but the quality of the inputs determines whether the output means anything.

Non judicial foreclosure and fast timelines

Georgia is a non judicial foreclosure state with a comparatively fast process. As in Texas, this generally supports competitive terms because lender recovery timelines are shorter and more predictable.

A strong BRRRR market, with one caveat

Rent to value ratios across much of metro Atlanta work well for the BRRRR strategy, which is why the market attracts so many buy and hold investors. The caveat is the seasoning period on cash out refinances. If you are counting on recycling capital quickly, confirm the seasoning requirement before you buy rather than after the renovation is finished.

Loan programs available in Georgia

We are most active in Atlanta, Savannah, Augusta, Columbus and Marietta, and we lend throughout the state. Loan sizes run from $100,000 to $25 million with approval decisions typically inside 72 hours.

Other state guides are on the where we lend page.

Frequently asked questions