Why Georgia is one of our strongest fix and flip markets
Georgia is a non-judicial foreclosure state with one of the fastest statutory timelines in the Southeast — typically 32 days from notice to sale via power-of-sale. That speed translates directly into our highest-leverage program: Velocity funds 100% loan-to-cost up to 70% of after-repair value, no down payment required.
Metro Atlanta dominates the state's flip volume — strong inventory, deep buyer pool, robust comps coverage. Outside Atlanta, Savannah's coastal historic district and the Columbus/Macon middle Georgia corridor offer compelling spreads at lower entry prices.
Velocity at 12.99% IO + 3.5 origination, or Optimal at 9.25%–11.25% with matrix-priced leverage. Run your numbers below and we'll show you both, side by side.
Run your Georgia deal now
Calculator opens with Georgia pre-selected. Enter purchase, rehab, and ARV — see both programs side-by-side in seconds.
Open Georgia calculator →Georgia approved-area cities (Velocity 100%)
Velocity (100% financing) requires the property to be in an approved-area city. Optimal works in any Georgia city. The 7 Velocity-approved Georgia cities are:
Property in a Georgia city not listed (Augusta, Roswell, Albany, Valdosta, etc.)? Still qualifies for the Optimal program — slightly less leverage, but lower rate.
Georgia fix and flip loan FAQ
Are AGS Lending Partners' Georgia fix and flip loans 100% financed?
Yes — Velocity finances 100% of purchase plus rehab in Georgia, up to 70% of ARV. You'll cover origination points (3.5%), $2,500 processing, and third-party closing costs (title, hazard insurance, recording) at closing. No separate down payment.
What's the maximum loan size for a Georgia fix and flip?
Velocity caps at $2.5M with first-time AGS borrowers limited to $1M. Optimal lends up to $3M. Most metro Atlanta single-family flips fall in the $200K–$700K range where both programs operate cleanly.
Does Georgia's non-judicial foreclosure status help my pricing?
Yes. Non-judicial states like Georgia get the higher 75% ARLTV cap on Optimal (vs 70% in judicial states). That translates to higher leverage on the same deal, particularly noticeable on Optimal where experience-tier matrix pricing applies.
How fast can a Georgia fix and flip loan close?
Typical close timeline is 10–14 business days from full application + documents. Faster is possible with clean title and pre-bound insurance. Submit your deal via the calculator's "Get your real quote" CTA and we'll lock you a closer within 24 hours.
Not in Georgia? See the main calculator (works for all 12 active states), or read our full fix and flip program guide .