Construction Loans Ground Up in Clayton County Georgia
Atlanta Fix and Flip Loans funds ground-up residential and small commercial projects across Clayton County and the Atlanta metropolitan region. While banks take 60–120 days and request tax returns, W-2s, income verification, and pre-leasing requirements, we approve based on the asset, plans, and permit timeline.
Why Investors Choose Our Ground-Up Construction Loans
- Close in 10–14 business days
- Up to 90% land + construction costs (LTC)
- Interest-only payments during construction
- Flexible draw schedules based on milestones
- We fund spec builds, build-to-rent (BTR), and infill projects
- Perfect for new builders and experienced developers
How to Qualify
– Minimum 600 credit score
– Project Plans + Scope of Work (SOW)
– Budget + timeline (we can help with formatting)
– Land under contract or owned
– Exit strategy (sale or DSCR refinance)
Property Types Eligible
– Single-family spec homes
– Townhome development
– Duplex / Triplex / Fourplex
– Build-to-rent portfolios in opportunity zones
Program Overview
Loan Amounts: $150,000 to $5,000,000+
• LTC: Up to 90% of cost / Up to 70% of ARV
• Terms: 12–24 months
• Rates: Starting 9.99–12.50% (project-based)
• Draws: Fast draw disbursements, site inspections included
Our 4-Step Process to Funding Your Ground-Up Construction Loan
Deal Submission
Term Sheet Issued
Underwriting & Closing
Construction & Draws
Benefits vs Traditional Banks
Close in days, not months
Funding based on project value,
Flexible draws based on progress
Flexible underwriting
No income Docs required
Clayton County & Metro Atlanta Local Lending Expertise
We understand Clayton County permit timelines, municipal inspection cycles, and common builder challenges. Our team has funded over 1,000+ real estate investment projects across Georgia — from Atlanta to Savannah.
Most construction loans in Clayton County close in 10–14 business days, depending on title and permit readiness.
Yes. We can finance both land acquisition and vertical construction within one streamlined loan.
No. We underwrite based on project strength, budget, ARV, and land status—not personal income.
Ready to Fund Your Ground-Up Construction Project in Clayton County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Clayton County and investor markets inside out.