Georgia Construction Loan Lenders for Residential Properties
Are you building a residential investment property in Georgia? On this page you'll find a list of private construction lenders for ground-up projects throughout Georgia's urban areas. The maximum loan-to-completed value (LTCV) for most lenders in Georgia is 70%. You typically need to contribute 20%-25% of the project costs and have some cash reserves. Development experience is almost always required. Most lenders will require the project to be fully entitled and shovel ready. A small percentage of lenders will consider land acquisition and/or horizontal financing. The lenders listed here can fund a single home build, or a development with multiple homes. We have a separate page for lenders that offer ground-up construction financing for commercial properties.Searching...
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i Fund Cities
Great F#*%ing Loans, Built By Investors For Investors
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
RBI Private Lending
Direct lender, specialized in Bridge, Fix and Flip and Construction. FN and new investors welcome.
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Center Street Lending
Smarter Loans for Residential Investors
Funded Ground-Up Construction Loans in Georgia
Private Construction Loan for Mid-Construction SFR in Atlanta, Georgia
$2,874,700
Lima One Capital, a lender for residential real estate investors, funded a $2,874,700 1st lien position mid-construction refinance of a luxury single-family residence build in Atlanta, GA. The property value was $3,100,000. The completed value was $5,500,000 so our loan-to-completed value was 52.25%. The Borrower is a repeat customer who wanted to get cash out while also allowing funds to finish construction and get the home on the market. Lima One financed the deal in less than 30 business days at a blended 85% loan to cost at the as-is value. This loan has an interest-only 13-month term and fully funds the remaining $860,000 construction budget with no interest charged on undrawn construction funds. This unique mid-construction deal gives the Borrower cash out while allowing them to finish the completion of the property. The subject property is approximately 6,900 square feet. This SFR construction loan was funded in December 2023.
SFR Construction Completion Refinance Loan in Atlanta, Georgia
$1,720,000
Capital Funding Financial, a direct lender, funded a $1,720,000 1st lien position bridge loan secured by a luxury single-family home in the suburb of Atlanta, Georgia called Paces Ferry / Buckhead. The property value was estimated at $2,500,000 so our loan-to-value was 68%. We paid off a previous loan balance of $1,300,000 and provided a construction reserve of $250,000 to the developer to complete the project which has an estimated after-repair value of over $3,250,000 upon completion. The developer was in need of cash to pay off his subcontractors along with the existing construction loan. Capital Funding closed the loan within 5 days from receipt of the valuation. The Borrower had good credit. They plan to sell the property as an exit strategy. The interest rate was 10.99% and there was a 2% origination fee charged. The referring broker was paid 1.5% on the transaction. The loan term was set at 12 months. This SFR construction loan was funded in August 2023.
