Hard money lenders in Georgia fund on the asset, not the borrower’s tax return — fast, short-term, business-purpose capital for acquisitions that conventional lenders can’t move on in time. Georgia investors use it for auctions, estates, BRRRR starts, and bridge situations across Augusta, Savannah, and Atlanta.
What Georgia investors use hard money for
- Estate and probate acquisitions in Augusta that need certainty of funds
- BRRRR starts — acquire and rehab, then exit to Georgia DSCR
- Bridge between purchase and permanent financing or sale
- Distressed / non-warrantable assets a conventional lender will not touch
Why speed matters here: Georgia foreclosure is non-judicial — non-judicial foreclosure completes on the first Tuesday of the month — fast for acquisitions. Cash-like certainty wins these deals against slower conventional offers.
Georgia hard money terms (2026)
| Term | Georgia range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $245,000 – $395,000 typical ARV |
Georgia metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Augusta | $170K–$270K | $1,200–$1,700 | lower basis; medical and military demand |
| 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 |
Georgia levies state income tax (flat 5.39%); structure the hold or flip exit with that in mind.
Diligence before you fund in Georgia
Underwrite local risk honestly in Georgia:
- Coastal wind/flood near Savannah
- Aging sewer and septic in intown Atlanta stock
What we need to issue a Georgia term sheet
- Comps or a desktop valuation toward ARV
- A credible exit — resale comps or projected rent
- Purchase contract or auction confirmation
- Entity documents (LLC operating agreement, EIN) for vesting
- Scope of work and rehab budget
Bring those and a Georgia file can move to term sheet quickly — the asset and the exit do the talking.
Recent Georgia deal
Atlanta BeltLine-area BRRRR: acquisition + rehab funded, then no-seasoning DSCR cash-out. Asset and exit drove the approval — not a personal income file.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Georgia that means one of two exits:
- Resale — finish and sell via fix and flip loans Georgia economics
- Refinance — stabilize and hold with a Georgia DSCR loan
Georgia Department of Banking and Finance oversees mortgage entities; investment loans must be non-owner-occupied.
Georgia hard money FAQ
How fast can a Georgia hard money loan close?
With clear title and a workable scope, Georgia deals can fund in roughly 7–14 days — fast enough for Augusta auction and estate deadlines.
What leverage do Georgia hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $245,000 – $395,000 band in Georgia). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on a Georgia hard money loan?
Either resale via fix and flip, or refinance into a Georgia DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Georgia Hard Money 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.