Hard Money Lenders in Georgia
Tailored Hard Money Solutions for Georgia Investors
Welcome to Tidal Loans LLC, your trusted partner in hard money lending tailored specifically for Georgia’s dynamic real estate market. With a dedicated team based, we bring extensive experience and local expertise to Atlanta real estate investors, providing flexible and reliable financing options for a wide range of real estate investment projects.
Why Opt for Hard Money Loans in Georgia?
In the fast-paced Georgia real estate market, securing timely funding can make all the difference. Traditional banks, while reliable, may not always be able to match the speed and flexibility offered by private hard money lenders like Tidal Loans LLC. We understand the nuances of Georgia’s real estate landscape and have streamlined our lending process to cater to the unique demands of this market.
Our hard money loans are asset-based, meaning they are backed by the intrinsic value of the property rather than solely relying on credit scores. This enables us to focus on the property’s potential after necessary repairs and renovations, opening up a world of opportunities for savvy investors.
How Can Hard Money Lenders in Georgia Help Grow Your Real Estate Portfolio?
Hard money lenders in Atlanta, Georgia, such as Tidal Loans provide an alternative route for financing real estate projects. We offer different types of loans such as hard money loans, flip loans, construction loans, and bridge loans. These financial products are designed specifically to suit the varied requirements of real estate investors. The primary emphasis of a hard money lender is on the potential value of the investment property and not exclusively on the borrower’s credit score. This focus on the property’s worth can provide funding opportunities for investors with less-than-stellar credit histories, enabling them to participate in the real estate market.
Georgia hard money lenders also stand out due to their ability to fund loans faster than traditional lenders. This expedited process can be crucial in a competitive market where quick action often determines whether an investor secures a deal or not. For instance, flip loans can assist an investor in quickly purchasing a property, renovating it, and selling it for a profit. Construction loans can be crucial for new projects, while bridge loans offer short-term solutions for investors between the buying and selling process. The flexibility of loan programs and the potential for a higher loan amount, based on the after-repair value of the property, make hard money lending a valuable tool for Georgia real estate investors navigating the dynamic and competitive Georgia market.
What are Hard Money Rental Loans / DSCR Loans in Georgia?
For our clients looking to hold their properties rather than flipping it. We offer a DSCR long term 30 or 40 year loan. Our Debt Service Coverage Ratio (DSCR) loan is a type of financing commonly used in real estate investments. It measures the ability of a property’s income to cover its debt obligations. Rather than your personal income, as most banks would look at your personal DTI, we look at the properties DSCR.
How do we calculate the DSCR ratio? The DSCR ratio is calculated by dividing the property’s net operating income (NOI) by its total debt service, including principal and interest payments. A higher DSCR ratio indicates the deal has a better ability to cover debt payments and typically comes with better rates. Our DSCR loans are often sought by investors looking to purchase or refinance income-generating properties, such as commercial buildings or multi-unit residential complexes or 1-4 units. At Tidal Loans, we offer competitive DSCR loans that cater to the unique needs of real estate investors, providing them with the financial support necessary to grow their portfolios and achieve their investment goals. Contact us today to explore our DSCR loan options and benefit from our expertise in the real estate lending industry.
A hard money loan is a form of short-term lending that is backed by the property, not your creditworthiness. Instead of focusing on your credit score, Tidal Loans focuses on your property’s after repair value. This value is essentially your asset that is then used to estimate what the property is worth. The term “hard” money means your lender is underwriting the loan on this hard asset – your property. As a borrower, you will not need to worry about putting a large amount of money down upfront as you would in a traditional loan you may receive from a Georgia bank.
What are other benefits of a hard loan in Georgia ? When you complete a hard money loan with Tidal Loans, they tend to close much faster than traditional loans, and you won’t need to dig up your tax returns or deal with other banking issues as you would if your credit was on the line. Have you already found a lucrative real estate option in Georgia and want to close quickly? If the answer is yes, then a hard money loan may be perfect because of its main benefit – it is convenient.
Some investors have trouble getting funds because they have a large number of outstanding loans, but Tidal Loans can help leverage these real estate investments with a hard money loan. And, if you have already been turned down by a Georgia bank because many conventional banks shy away from rehabilitation projects or properties that may be distressed, a hard money lender like Tidal Loans will provide up to 100% of the purchase and 100% of repair cost.
Other Georgia Investment Property Loans
Private Money Investment Property Loans We Provide | Private Lenders In Georgia
Tidal Loans offers other private investment property loan options throughout the Georgia area. We are here to help you purchase Atlanta investment properties If you already have a property that needs funding, you can talk to us about our:
We are one of the few lenders that can fund up to 100% of the Purchase Price and 100% of the Repairs for experienced borrowers because we are lending our own capital! We allow 100% CLTV( 100% fix and flip loans case by case as well), so sellers can carry back a second note, allowing 100% of the purchase price and rehab amount to be financed. These loans are designed specifically for investors who are interested in purchasing an investment property fixer upper to rehab or renovate to then sell for profit. Allowing our clients to bring nothing but closing costs to the table!
As Direct Hard money lenders Atlanta Georgia, we provide construction loans to builders and developers. These lenders offer financing up to 70% of the After-Construction Value and 100% of the hard construction cost. Unlike traditional loan institutions, hard money lenders in Atlanta like Tidal Loans could fund up to 85% Loan-to-Cost (LTC) even if you have bad credit. Real estate investors often use this type of loan for new construction projects because of the flexible terms, albeit at higher interest rates. In addition, these lenders could also assist with land acquisition, helping borrowers secure the investment property. This lending option, though more expensive than a conventional lender, can be quicker to close with fewer origination fees and closing costs.
DSCR Loan Meaning: For our clients looking to hold their properties rather than flipping it. We offer a DSCR long term 30 or 40 year loan. What is a DSCR Loan? Our Debt Service Coverage Ratio (DSCR) loan is a type of financing commonly used in real estate investments. It measures the ability of a property’s income to cover its debt obligations. Rather than your personal income, as most banks would look at your personal DTI, we look at the properties DSCR.
DSCR Loan Requirements- We can provide a DSCR loan for Single Family Properties, 2-4 units, Multifamily properties, and Commercial Properties as well. We just need the following.
1.) Minimum credit score of 600
2.) Rent Ready Property
3.) Minimum Debt Service Coverage Ratio of at least .75 ( the higher the DSCR ratio the better the terms,)
The DSCR ratio is calculated by dividing the property’s net operating income (NOI) for multi-family properties, or the rent income for 1-4 unit properties, by its total debt service, including principal, interest payments, taxes and insurance. A higher DSCR ratio indicates the deal has a better ability to cover debt payments and typically comes with better rates. Our DSCR loans are often sought by investors looking to purchase or refinance income-generating properties, such as commercial buildings or multi-unit residential complexes or 1-4 units. At Tidal Loans, we offer competitive DSCR loans that cater to the unique needs of real estate investors, providing them with the financial support necessary to grow their portfolios and achieve their investment goals..
Our landlord loans are great for buy and hold investors. Our program allows our clients to grow their portfolio faster. Investors can pull out up to 75% of the appraised value, even if you owned the property for just a week. We do not verify income either, because we care about the property cash flow, not our clients. Our rates start at very competitive and are 30 year fixed terms, 30 year amortization, allowing our rental property investors to cash flow more each month! We even have a 40 year amortization option as well!
Contact us today to explore our DSCR loan options and benefit from our expertise in the real estate lending industry
Airbnb Loans / Short Term Rental Loans: We provide our buy at property. 30-year fix rate up to 80% LTV. We know the struggle with financing for Airbnb properties that is why we came up with this loan option for our Airbnb hosts! Buying a house for short term rental to place on Airbnb or VRBO is easy with Tidal Loans.
Our landlord loans are great for buy and hold investors. Our program allows our clients to grow their portfolio faster. We do not verify income either, because we care about the property cash flow, not our clients.
For wholesaler’s who need to double close with their seller. Tidal Loans will fund 100% of the closing with no cash out of pocket.
Multi Family Loans/ Mixed Used Loans -> Our program consists of minimal down payment for multifamily apartment real estate investors looking for apartment rehab loans. We do not have a DSCR requirement for our multifamily rehab loans. Up to 85% LTC, 90% CLTV and 100% of rehab funds. This exclusive loan program for apartment buildings provides you with the flexibility and leverage to profit on Multifamily & Mixed-use investment opportunities that may need rehab or low occupancy. First time investors allowed as well! We also have a 30-year multi family loan program for investors looking to cashflow their property long term.
Commercial Property Loans ->
We provide private commercial hard money loans for commercial real estate investors. We fund up to 65% LTV for our commercial bridge loans and commercial rehab loans. We offer 70% LTV and 80% CLTV on our long term commercial hard money loans at a 30 year amortization with a 30 year term. A commercial hard money loan is a good alternative to traditional bank financing when time is of the essence or borrowers don’t meet traditional guidelines for whatever reason.
Atlanta Georgia real estate investors feel free to reach out to us and see why we are considered to be one of the best hard money lenders in Georgia. We pride ourselves in offering a simple, fast, and transparent private money loan for your real estate investment needs. Avoid the red tape that goes along with bank financing and the time it takes to close traditional loan structures and look into a hard money loan with Tidal Loans.
We offer funding for a variety of exit strategies for real estate investors. If you already have a property in Atlanta that needs some TLC, you may also want to talk to one of our account executives at Tidal Loans about our “Fix and Flip” Loans , which are designed specifically for investors who are interested in rehab and renovations for a fixer upper that you’d like to then sell for profit.
Do you already have a property with equity? If so, contact one of our account executives at Tidal Loans to learn about our hard money refinance loan program, which can help you pull cash out of your investment property. In fact, We have numerous private money loan programs in which to choose: new construction loans for builders and developers, temp to perm loans for our buy and hold investors seeking passive income, and transactional funding for wholesaler’s who need to double close with their seller. Tidal Loans will fund 100% of the closing with no cash out of pocket. At Tidal Loans will offer a simple, fast, and transparent hard money loan for your investment needs. Avoid the red tape that goes along with bank financing and the time it takes to close traditional loan structures and look into a hard money loan
Non Recourse Financing ->The main benefit of non-recourse financing is the borrower does not guarantee the loan. We are non-recourse loan lenders. We provide non recourse loans for multi family and large portfolio rental/dscr loans
Tailored Solutions for Georgia’s Diverse Markets
Investor Rehab Fix and Flip Loans
Whether you’re in bustling Atlanta, historic Savannah, or any other city in Georgia, our comprehensive solutions are designed to help investors secure distressed properties, fund the necessary renovations, and efficiently bring them back to market.
Streamlined House Flipping
Our “wholetail” flip option is perfect for investors looking for swift turnaround times. By acquiring properties directly from sellers and making minimal repairs, you can quickly put them back on the market for maximum returns.
BRRR Strategy for Long-Term Success
For experienced investors, our Buy, Rehab, Rent, Refinance (BRRR) strategy provides a clear path to building a lucrative portfolio. We fund the acquisition and renovation, allowing you to convert the property into a rental. Once leased, we can facilitate a cash-out refinance, enabling you to repeat the process and expand your portfolio.
Extensive Coverage Across Georgia
Tidal Loans LLC proudly serves a wide array of cities in Georgia, including:
- Peachtree Corners
- Peachtree City
- East Point
- Augusta Richmond County
- Macon Bibb County
- Athens Clarke County
- South Fulton
- Sandy Springs
- Johns Creek
- Warner Robins
Our tailored approach extends to each unique market, ensuring that our investors receive the most effective and profitable lending solutions available.
Contact Us Today
At Tidal Loans LLC, we pride ourselves on offering a simple, fast, and transparent private money loan experience designed to meet the diverse needs of Georgia’s real estate investors. Say goodbye to the red tape of traditional financing and experience the swiftness and efficiency of hard money lending with us.
Get in touch with our Georgia team today at [Georgia-specific phone number] or via email at [Georgia-specific email address]. Let’s turn your real estate visions into reality!# Hard Money Lenders in Georgia | Tidal Loans LLC
Your Trusted Partner for Hard Money Lending in Georgia
Welcome to Tidal Loans LLC, your premier source for hard money lending solutions tailored to meet the diverse needs of Georgia’s real estate investors. With our dedicated team and extensive coverage across the state, we’re here to support your real estate investment endeavors.
Why Choose Tidal Loans LLC for Hard Money Loans in Georgia
When it comes to investing in the dynamic Georgia real estate market, you need a financial partner who understands the unique challenges and opportunities this market presents. Traditional banks have their place, but when you’re looking to invest in distressed properties and need swift, flexible financing, private hard money lenders like Tidal Loans LLC are your go-to solution.
Our expertise as direct lenders based right here in Atlanta gives us a profound understanding of the local market dynamics. We recognize that securing funding quickly can often be the key to a successful real estate investment. Private money lenders like us can provide the speed and flexibility that traditional financial institutions often can’t match.
The Advantage of Hard Money Loans
Hard money loans are distinct in that they are secured primarily by the property itself rather than relying heavily on personal credit scores. This is a game-changer for investors looking to breathe new life into distressed properties and maximize their potential.
Tailored Lending Solutions for Georgia’s Diverse Real Estate Market
Investor Rehab Fix and Flip Loans
In Georgia, real estate opportunities abound. Whether you’re eyeing properties in Dunwoody, Gainesville, Newnan, Peachtree Corners, Milton, Mableton, Peachtree City, Evans, East Point, Douglasville, Atlanta, Augusta Richmond County, Columbus, Macon Bibb County, Savannah, Athens Clarke County, South Fulton, Sandy Springs, Roswell, Johns Creek, Warner Robins, Alpharetta, Albany, Marietta, Stonecrest, or Brookhaven, our financing options are designed to cater to your specific needs.
Streamlined House Flipping
Our “wholetail” flip option is ideal for investors who wish to swiftly acquire properties, make minimal repairs, and get them back on the market for a quick turnaround and maximum profit potential.
Buy, Rehab, Rent, Refinance (BRRR) Strategy
Seasoned investors looking to build a strong cash flow portfolio will appreciate our BRRR strategy. We offer funding for property acquisition, rehabilitation, and conversion into a rental, allowing you to enjoy consistent, long-term income.
Extensive Georgia Coverage
Tidal Loans LLC proudly serves a vast array of cities throughout Georgia, including Dunwoody, Gainesville, Newnan, Peachtree Corners, Milton, Mableton, Peachtree City, Evans, East Point, Douglasville, Atlanta, Augusta Richmond County, Columbus, Macon Bibb County, Savannah, Athens Clarke County, South Fulton, Sandy Springs, Roswell, Johns Creek, Warner Robins, Alpharetta, Albany, Marietta, Stonecrest, and Brookhaven.
Our commitment to delivering tailored solutions extends to each unique market, ensuring that our investors receive the most effective and profitable lending options available.
Tidal Loans® is a nationwide, private direct lender based in Houston, Texas, established in 2016. We specialize in providing short-term fix and flip financing as well as long-term rental financing for real estate investors. With over 50 years of combined hands-on experience in various aspects of real estate, we understand the challenges and opportunities investors face. We have been in your shoes and are committed to helping you succeed in your real estate business. Our goal is to offer tailored financing solutions and exceptional service to empower you in achieving your real estate goals. At Tidal Loans we are local Houston hard money lenders, and take pride in helping investors achieve the American Dream. Read More
Contact Us Today
At Tidal Loans LLC, we take pride in offering a simple, fast, and transparent private money lending experience designed to meet the diverse needs of Georgia’s real estate investors. Say goodbye to the complexities of traditional financing and experience the swiftness and efficiency of hard money lending with us.
Reach out to our Georgia team today. Let’s transform your real estate aspirations into reality!