Construction Loans – Ground Up in Newton County Georgia
Fast and flexible ground-up construction loans for real estate investors and builders in Newton County, Georgia — serving Covington, Oxford, Porterdale, Mansfield, and Newborn.
We fund:
- Single-family spec builds
- Duplex / Triplex / Quad new construction
- Airbnb-friendly new builds
- Land + construction combined loan
- Small infill subdivision projects
- Build-to-rent (BTR)
Why Use A Private Construction Loan?
Banks require:
- Tax returns
- Personal builder financials
- Pre-sale contracts
- Slow committee approvals (60–120 days)
Property Types Eligible
We fund:
- SFR single-family new builds
- Duplex / Triplex / Quad (1–4 unit)
- Build-to-Rent (BTR subdivisions)
- Airbnb cabin / luxury STR builds
- Spec home construction
Construction Loan Program Overview
FEATURE | INVESTOR BENEFIT |
Up to 80% Loan-to-Cost (LTC) | Lower cash-to-close |
Up to 70% of ARV | Higher leverage on strong deals |
Interest-only payments | Better cash flow |
Fast draw schedule | Pay your contractors on time |
DSCR refinance or sale exit | Built-in takeout strategy |
Our 3-Step Process to Funding Your Loans
Deal Submission
You send property address, budget & exit strategy; we review within 24-48 hours.
Term Sheet Issued
We underwrite based on ARV and builder cost.
Underwriting & Closing
Funds wired to attorney. Draws released within 24–48 hours.
Benefits vs Traditional Banks
Fast decision & funding (days to weeks)
Ideal for distressed or non-traditional properties
Rehab / construction draws available
Close in 5 - 10 days
No income Docs
Our Experience in Georgia & Newton 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 Newton County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes.
Yes, land + build can be packaged in a single loan.
No. We are asset-based lenders.
Yes — no pre-sale contract required.
Ready to Fund Your Project in Newton County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Newton County and investor markets inside out.