A Georgia fix-and-flip loan is asset-based and ARV-driven: it funds the purchase and the rehab budget, carries interest-only while you work, and is repaid when the finished home sells in Savannah or your target submarket.
Fix-and-flip economics in Georgia
Margin is made on the buy and protected on the timeline. Two Georgia cost lines bite flip margin: holding-period property tax at an effective ~0.90% (county reassessment after investor purchase can lift the tax line) and state income tax on the gain (flat 5.39%). Model both before you commit to ARV.
| Metro | Typical basis | Rent band | Flip notes |
|---|---|---|---|
| Savannah | $240K–$360K | $1,600–$2,200 | port growth; coastal insurance diligence |
| Atlanta | $260K–$420K | $1,800–$2,600 | BeltLine-area BRRRR to no-seasoning DSCR cash-out |
| Augusta | $170K–$270K | $1,200–$1,700 | lower basis; medical and military demand |
Speed comes from non-judicial foreclosure norms — non-judicial foreclosure completes on the first Tuesday of the month — fast for acquisitions. Georgia’s investor-friendly framework keeps acquisition and disposition timelines predictable.
Georgia flip loan terms (2026)
| Term | Georgia range |
|---|---|
| Acquisition leverage | Up to ~90% of purchase |
| Rehab funding | 100% of approved scope, on draws |
| Basis | Sized to ARV ($245,000 – $395,000 typical) |
| Rate | Interest-only, ~10.5%–12% |
| Term | 6–12 months |
Local risk to scope in Georgia
Insurance and hazard diligence matter in Georgia:
- Coastal wind/flood near Savannah
- Aging sewer and septic in intown Atlanta stock
Profit math on a Savannah flip
| Line | Amount |
|---|---|
| Purchase | $252,000 |
| Rehab | $60,000 |
| All-in | $312,000 |
| Carry (~5 mo @ ~12.0% IO) | $14,040 |
| ARV (conservative) | $444,000 |
| Selling costs (~8%) | $35,520 |
| Est. net before tax | $82,440 |
A workable spread — protect it with contingency. Spread compresses fast when ARV comps are optimistic or rehab runs 15%–25% over scope.
Where Georgia flippers find inventory
- Savannah — port growth; coastal insurance diligence
- Atlanta — BeltLine-area BRRRR to no-seasoning DSCR cash-out
- Augusta — lower basis; medical and military demand
Georgia Department of Banking and Finance oversees mortgage entities; investment loans must be non-owner-occupied.
After the flip: hold instead?
If the numbers favor a hold, refinance into a Georgia DSCR loan on the stabilized rent, or run a portfolio bridge via hard money lenders Georgia.
Georgia fix-and-flip FAQ
How much do Georgia fix-and-flip loans cover?
Typically up to ~90% of purchase plus 100% of an approved rehab budget, sized to ARV — commonly the $245,000 – $395,000 band across Georgia investor stock. Leverage depends on experience and the deal.
How fast can I close a flip loan in Georgia?
Asset-based files in Georgia can close in roughly 7–14 days with clear title and a workable scope — fast enough for Savannah auction and estate timelines.
What kills Georgia flip margin most often?
Optimistic ARV comps and rehab overruns of 15%–25%, plus coastal wind/flood near Savannah. Build contingency into every Georgia budget.
Get Your Georgia Fix-and-Flip Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.