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Fix & Flip · Georgia

Fix & flip loans in Georgia — fund the deal, keep your cash.

Mortava fix & flip loans in Georgia: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Georgia is a flip-and-hold favorite where Atlanta’s job growth and landlord-friendly laws support both DSCR and fix & flip. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Atlanta, Savannah, Augusta and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Georgia project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Georgia projects with Mortava

In a market like Georgia, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Atlanta, Savannah, Augusta, Columbus deals and recycle capital into the next project faster.

Atlanta’s job engine feeds both sides of the strategy: steady tenants for long-term holds and steady buyers for finished flips. Georgia’s landlord-friendly framework keeps operating risk lower than in comparable growth metros.

Top metros we fund
Atlanta, Savannah, Augusta, Columbus
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Georgia

The same leverage that funds a Georgia flip funds the "buy and rehab" half of BRRRR. Renovate in Atlanta or Savannah, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Georgia fix & flip loan FAQ

Can I get a fix and flip loan in Georgia?
Yes. Mortava funds fix & flip projects across Georgia, including Atlanta, Savannah, Augusta, Columbus. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Georgia flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Georgia.
Do you fund first-time flippers in Georgia?
Yes — first-time flippers are welcome in Georgia with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Atlanta and Savannah?
Yes — Atlanta, Savannah, Augusta, Columbus and every other Georgia market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Georgia property instead of selling it?
Yes. Many Georgia investors renovate with a Mortava flip loan in markets like Atlanta, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in ArkansasFlip in CaliforniaFlip in ColoradoFlip in ConnecticutFlip in DelawareFlip in FloridaFlip in HawaiiFlip in IdahoFlip in IllinoisFlip in IndianaFlip in IowaFlip in Kansas
All Fix & Flip programs → DSCR loans in Georgia → Instant quote & pre-qualify →
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