Ground Up Construction Loans in Dekalb County, Georgia
Build faster, smarter, and stronger with private capital designed for investors — not bank bureaucracy.
At Atlanta Fix and Flip Loans, we specialize in ground-up construction financing for residential, multifamily, and commercial developments across Dekalb County, including Decatur, Brookhaven, Dunwoody, Stonecrest, and Avondale Estates.
Why Dekalb County Investors Choose Our Ground-Up Construction Loans
Dekalb County investors know that time kills deals — and banks move too slowly for the pace of modern development. Our private construction financing helps you win bids, acquire land, and start building faster, without traditional underwriting friction.
Why choose Atlanta Fix and Flip Loans
Same-day approvals: Immediate term sheets help you compete with cash buyers.
We fund land + vertical construction: One seamless loan covers acquisition through completion.
Up to 85% LTC / 70% ARV: Maximize leverage and preserve liquidity.
Fast milestone draws (24–48 hours): Stay funded without delays between phases.
No tax returns or W-2s: We underwrite based on project feasibility and market exit.
Our local expertise means faster inspections, quicker title clearances, and smoother draw approvals throughout Dekalb County’s permitting zones.
Property Types Eligible
We finance nearly all investment-class new construction in Dekalb County, including:
Single-family new builds (SFR)
Multifamily projects (2–50 units)
Mixed-use developments
Commercial retail or flex-space builds
Office, industrial, and warehouse projects
Tear-down + rebuild developments
If the project adds value and has a clear exit plan, we’ll fund it.
Program Overview
Our Ground Up Construction Loan Program is designed specifically for real estate investors, builders, and developers in Dekalb County who want to fund new residential or commercial construction projects quickly — without the red tape of traditional banks. We provide flexible, asset-based financing that covers land acquisition, vertical construction, and draw disbursements, allowing you to focus on building, not waiting.
With loan amounts ranging from $300,000 to over $20 million, we finance projects across single-family developments, multifamily builds, mixed-use, and commercial construction. Borrowers can secure up to 85% Loan-to-Cost (LTC) and 70% of the After-Repair Value (ARV), giving you strong leverage and improved cash flow throughout your build cycle. Terms run 12 to 24 months, interest-only, with no prepayment penalties, ensuring maximum flexibility whether you sell, refinance, or retain the asset.
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 Ground-Up Construction 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 & Dekalb 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 Dekalb County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes. Whether you’re in Cartersville, Adairsville or elsewhere in Dekalb County, we bring local insight and boots-on-the-ground support.
Our lending is asset-based, meaning approval is based on:
• Property value
• LTV/LTC
• Exit strategy
• Investor experience (optional)
Your deal qualifies you — not your personal income.
7–10 business days.
Ready to Fund Your Construction Project in Dekalb County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Dekalb County and investor markets inside out.