Construction Loans Ground Up in Cobb County Georgia
Bring your next project to life with Atlanta Fix and Flip Loans, the trusted private lender for builders, developers, and investors across Cobb County, Georgia. Whether you’re starting from vacant land or converting an existing structure, our ground-up construction loans help you move quickly from plans to profit — with flexible draws, asset-based approvals, and no bank red tape.
Why Investors Choose Us
- Fast Closing — funding in as little as 5 business days
- Flexible Underwriting — we focus on project potential, not credit scores
- No Income Docs Required — asset-driven approvals
- Local Expertise — we know Cobb County’s zoning, permits, and builder ecosystem
- Experience with Distressed & Value-Add Properties
- Dedicated Construction Draw Department — for fast disbursements
How to Qualify
To qualify for a Ground-Up Construction Loan in Cobb County, borrowers should:
- Own or be under contract to purchase land
- Provide project plans, permits, or a builder’s cost breakdown
- Have an active entity (LLC or Corp)
- Show prior experience or partner with a licensed contractor
- Maintain a minimum 600 FICO (exceptions considered case-by-case)
Property Types Eligible
- Residential new construction (1–10 units)
- Townhomes and infill developments
- Mixed-use or small commercial builds
- Spec homes or build-to-rent portfolios
- Projects located in Marietta, Smyrna, Kennesaw, Acworth, Powder Springs, and nearby communities
Program Overview
- Up to 90% Purchase Financing
- Up to 100% of Construction/Rehab Costs
- Interest-Only Payments During Build Period
- Terms: 6–24 Months
- Loan Amounts: $100,000 – $5,000,000+
- Eligible Projects: Single-family, townhomes, small multifamily, and mixed-use builds
- Flexible Exit Options: Refinance or sale upon completion
Key Highlights Of Our Program
Loan amounts typically $500K to multi-million
Terms from 12 to 36 months with interest-only options
Strong focus on investor exit strategy (sale or refinance)
Fund acquisition, construction budget, carry costs
Draw schedule matched to construction phases
Our 4-Step Process to Funding Your Loan
Deal Submission
You send property address, budget & exit strategy; we review within 24-48 hours.
Term Sheet Issued
We’ll outline loan amount, rate, draw schedule, exit plan.
Underwriting & Closing
We examine title, insurance, budget, permitting status; closing typically in 1–3 weeks.
Construction & Draws
Funds released by phase; we monitor progress, you proceed with construction; exit triggers payoff.
Benefits vs Traditional Banks
Fast decision & funding (days to weeks)
Ideal for distressed or non-traditional properties
Rehab / construction draws available
Flexible underwriting focused on deal merits
Less emphasis on personal income & credit score
Our Experience in Georgia & Cobb County
Atlanta Fix & Flip Loans has funded over 1,000 real-estate investment projects across Georgia from Atlanta to Savannah, Macon to Athens giving us deep knowledge of permit timelines, contractor networks and exit strategies in this market (Authority & Experience). In Cobb County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes.
Most deals receive same-day approval once the project details and budget are submitted.
No. Our construction loans are fully asset-based — we underwrite the property, plans, and project, not your personal income.
Yes. We fund up to 100% of rehab or construction based on the project scope and ARV.
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