Hard Money Loans in Cobb County Georgia
When traditional banks say no, Atlanta Fix and Flip Loans says yes. We provide fast, flexible, and asset-based hard money loans to real estate investors throughout Cobb County, Georgia. Whether you’re acquiring a fix-and-flip property, funding a construction project, or leveraging equity for a quick purchase, our programs are designed to help you close deals in days, not weeks.
Why Investors Choose Us
- Fast Closing: Funding within 3–7 business days
- Flexible Underwriting: Based on property value, not credit score
- No Income Docs: True asset-based lending
- Experience with Distressed Properties: Ideal for flips, auctions, and REOs
- Georgia Market Experts: Local underwriting with transparent communication
- Repeat Investor Rewards: Preferred terms for loyal borrowers
How to Qualify
To qualify for a Hard Money Loan in Cobb County, investors should:
- Purchase or refinance an investment property (no owner-occupied homes)
- Hold title in an LLC or business entity
- Provide a purchase contract and rehab scope
- Have a clear exit strategy (sale or refinance)
- Maintain minimum credit flexibility (500+ accepted case-by-case)
Property Types Eligible
- Single-family investment homes
- 2–4 unit multifamily buildings
- Mixed-use and small commercial properties
- Auction, inherited, or distressed homes
- Properties throughout Marietta, Smyrna, Kennesaw, Acworth, Vinings, and Powder Springs
Program Overview
- Up to 90% Purchase Financing
- Up to 100% of Rehab or Renovation Costs
- Interest-Only Payments — preserve your cash flow
- Loan Terms: 6–24 months
- Loan Amounts: $100,000 – $5,000,000+
- Eligible Properties: Single-family, multifamily, mixed-use, and light commercial
- No Prepayment Penalties: Refinance or sell anytime
- Quick Draws: Rehab reimbursements processed within 24–48 hours
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.
In as little as 7–14 business days.
Yes. 100% of rehab budget can be financed.
No. We are asset-based lenders.
Ready to Fund Your Project in Cobb County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Cobb County and investor markets inside out.