Fix and Flip Loans in Georgia
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
Georgia is one of the most active flip markets in the Southeast, anchored by metro Atlanta’s enormous supply of older homes and supported by growing markets from Savannah to Augusta. There’s no shortage of properties to buy, renovate, and resell — the hard part is funding them fast enough to win in a competitive market. Fix and flip loans in Georgia from Tidal Loans solve that: short-term, asset-based financing that funds the purchase and the rehab based on the property’s after-repair value, not your tax returns. We’ve financed Georgia flippers as a direct lender since 2016, we lend our own capital, and we offer up to 100% financing on qualifying Georgia deals.
A fix and flip loan is a form of hard money — the property is the collateral, and we underwrite the deal rather than your personal finances. Instead of scrutinizing your credit score, we focus on what the property will be worth after repairs. That asset-based approach is what lets us move in days instead of weeks, which is exactly what Atlanta’s fast market demands.
100% Fix and Flip Financing in Georgia
The question we hear most from Georgia flippers is whether we offer 100% financing, and on qualifying deals, we do. We can fund 100% of the purchase and 100% of the rehab as long as the combined amount stays within our after-repair-value limits — typically around 70% of ARV. When a deal fits that math, the only money you bring to closing is the closing costs, effectively a no-money-down flip. For deals above that threshold, our 100% CLTV structures let a seller or second-position lender carry the remaining equity. We walk through the full ARV math and a worked deal example on our [fix and flip hub](/fix-and-flip-loans/), and you can model any Georgia deal with our [fix and flip profit calculator](/fix-and-flip-profit-calculator/).
To be clear on credit: we’re a property-first lender. We do review credit, so be cautious of anyone promising a literal “no credit check” loan, but a credit blemish that would sink a bank application usually won’t stop a Georgia fix and flip deal with us.
Fix and Flip Lending Across Georgia's Major Markets
Every Georgia market flips a little differently, and we fund deals across all of them.
Atlanta
Atlanta is the heart of Georgia’s flip market and our busiest market in the state. Its deep inventory of older homes and steady buyer demand make it ideal for fix-and-flip, and properties here move fast. Our Atlanta fix and flip loans fund the purchase and rehab so you can renovate and resell, or stabilize and refinance into a rental — across the city and its many suburbs.
Metro Atlanta Suburbs
The suburbs ringing Atlanta are some of the most active flip sub-markets in the state. Investors working deals in Alpharetta, Marietta, Sandy Springs, Roswell, and Decatur use our financing to move quickly on properties in these higher-value, fast-moving areas.
Savannah
Savannah’s historic housing stock and strong rental and tourism demand make it a distinctive market for flips and vacation-rental conversions alike. Our Savannah fix and flip financing closes fast enough to capture character properties that move quickly.
We also fund flips in Augusta, Columbus, Macon, Athens, and the surrounding submarkets statewide.
From Flip to Hold: the BRRRR Strategy in Georgia
Not every Georgia project ends in a sale. Many of our investors run the BRRRR method — buy, rehab, rent, refinance, repeat. We fund the purchase and rehab, you place a tenant, and instead of selling you refinance into a long-term [Georgia DSCR loan](/dscr-loan-georgia/) that qualifies on the rent, then pull your capital back out through a [cash-out refinance](/cash-out-refinance/). You recycle that capital into the next deal and do it again. If your project needs to bridge a timing gap before permanent financing, our [Georgia bridge loans](/bridge-loans-georgia/) cover that too.
Building new instead of renovating? See our ground-up construction loans in Georgia.
A Real Georgia Flip: How a First-Time Investor Netted $73,500 in Atlanta
Numbers on a page are one thing; a closed deal is another. Here’s a recent Atlanta fix and flip we funded for a first-time investor — a single-family home they found on the MLS, renovated top to bottom, and sold for more than its projected after-repair value.
The deal at a glance:
- Market: Atlanta, GA
- Property: Single-family residence
- Purchase price: $215,000
- Renovation budget: $129,000 (full interior overhaul)
- Projected ARV: $400,000
- Exit (sale) price: $417,500
- Gross profit before financing, closing, and selling costs: $73,500
What made this one work wasn’t just the spread — it was execution and speed. Because we underwrite in-house and lend our own capital, we were able to waive a full appraisal to keep the closing on schedule, and our internal feasibility review gave a first-time investor the confidence to take on a heavy $129,000 rehab. Once the project was underway, we turned construction draws around quickly so crews never sat idle waiting on funds — the kind of operational drag that quietly eats a flipper’s margin.
This is the part of fix and flip lending that never shows up on a rate sheet: a first-time flipper carried a full-gut Atlanta renovation to a $417,500 exit, and the financing partner behind it moved at the pace the deal demanded. That’s what we mean when we say we fund Georgia flips like investors, not like a bank.
Gross profit is shown before financing costs, holding costs, closing costs, and selling commissions, and reflects one specific deal. Every project is different; results depend on your market, your numbers, and your execution.
Before & After: This Atlanta Renovation
Each image shows the same space before the rehab (top) and after (bottom).
Georgia Fix and Flip Loan Parameters
Loan Details
Frequently Asked Questions
Yes, on qualifying deals. We can fund 100% of the purchase and 100% of the rehab as long as the combined amount stays within our after-repair-value limits. When a deal fits that math, the only cash you bring to closing is the closing costs. For deals above that threshold, our 100% CLTV structures let a seller or second lender carry the remaining equity, which makes Georgia’s value-add deals especially accessible.
ARV is the after-repair value — what the property will be worth once your renovation is complete, backed by comparable sales and an appraisal. We size your loan against it, typically keeping your total purchase-plus-rehab within about 70% of ARV. The stronger the spread between your total cost and the ARV, the more leverage we can offer, up to 100% financing on qualifying Georgia deals.
There’s no hard cutoff, because the property carries most of the underwriting weight. We do review credit, and a stronger score improves your terms, but a blemish that would stop a Georgia bank often won’t stop a fix and flip deal with us. We focus on the deal’s margin and your plan, which is why investors with credit challenges still get funded.
We close fast — often in a matter of days when the deal requires it. Because we underwrite the property rather than your income, there’s far less paperwork than a conventional loan, no tax returns to dig up, and no slow committee. In a fast market like Atlanta, that speed is frequently what wins the deal over a buyer waiting on bank financing.
Yes. Many Georgia investors buy and renovate with a fix and flip loan, then keep the property as a rental by refinancing into a DSCR loan that qualifies on the rent. That’s the BRRRR strategy, and working with one lender across both the flip and the refinance keeps the transition fast and simple.
We lend statewide. Atlanta and its suburbs are our highest-volume market, but we actively fund fix and flip loans in Savannah, Augusta, Columbus, Macon, Athens, and the surrounding areas. Each market has its own ARVs and renovation costs, and we structure each loan to fit the property and the local market.
Ready to fund your Georgia deal?
Get a fast quote from a direct lender — or call and walk it through with us.