Hard Money Loans in Fayette County Georgia
Asset-based funding for investors in Fayetteville, Peachtree City, Tyrone, and surrounding submarkets. Close in 5–10 days, finance 100% of rehab, and compete like a cash buyer.
What Is a Hard Money Loan?
Hard money loans are short-term, asset-based mortgages for non-owner-occupied properties. We underwrite the property and the exit strategy, not your tax returns. That’s why experienced and first-time investors alike choose hard money to win tight timelines, fund distressed assets, and finish rehab on schedule.
Private Hard Money vs Bank Loans
- Factor Bank Loan Private Hard Money (Us)
- Closing Timeline 30–90+ days 5–10 days
- Income Docs Full tax returns No income docs
- Distressed Assets Often ineligible Specialty
- Rehab Draws Slow, rigid Fast, flexible
Property Types Eligible
- SFR fix & flip and wholetail
- 2–20 unit multifamily value-add
- Townhomes/condos (investment only)
- Portfolios and blanket loans
- Not eligible: Owner-occupied primary residences.
Why Investors in Fayette County Choose Us
- Local market speed + flexible underwriting built for Georgia flips, rentals, and small multifamily.
- 5–10 day closings with streamlined docs
- Up to 90% purchase + 100% rehab (subject to ARV and experience)
- Draws in 1–3 days after inspection to keep contractors moving
- Light docs (no income or tax returns required)
- Purchase, rehab, bridge, and DSCR take-out options under one roof
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)
Our 4-Step Process to Funding Your Loans
Deal Submission
Address, purchase price, rehab budget, ARV, exit plan.
Term Sheet Issued
Receive a clear, investor-friendly term sheet.
Underwriting & Closing
Property-centric review, quick third-party orders.
Construction & Draws
Funds ready for acquisition or refinance.
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 & Fayette 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 Fayette County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes.
FAQs
Yes. We work with both new and experienced investors. For first-time investors, we look closely at reserves, your contractor team, and the strength of the deal, then structure leverage and draw schedules to match your experience level.
With a complete file and clear title, most loans close in 5–10 business days. Same-day term sheets are available once you submit your deal scenario.
Yes, we can finance up to 100% of the rehab budget, as long as the total leverage stays within our ARV/LTV limits (typically up to 70–75% of ARV) and the scope of work supports the exit value.
Ready to Fund Your Project in Fayette County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Fayette County and investor markets inside out.