Hard Money Lenders in Columbus, GA | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inColumbus, Georgia

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Columbus investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Columbus deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, October 2026

Price a Columbus deal right now

Prefilled with a realistic Columbus deal. Change any number and it reprices on the programs that lend in Georgia, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Columbus

Columbus is a river city built around Fort Benning, with Aflac, Synovus and the payments industry adding steady office jobs. The city and Muscogee County are one consolidated government, so permits and taxes run through one office. The flip stock is 1920s to 1950s cottages and bungalows in Midtown and 1960s ranches in east and north Columbus.

The Columbus deal runs on the Army calendar. Soldiers and families rotate in and out of Fort Benning on orders, and summer is when most of them move. A flip that is finished and listed ahead of that wave sells to a buyer with a VA loan and a report date. One that lands in winter can sit. We plan the timeline backward from the move season before the scope is set.

What a Columbus deal looks like on paper

Columbus example: $135,000 purchase, $50,000 rehab, $265,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Say a 1940s brick cottage in Midtown near Wynnton Road with plaster walls, a crawl space that needs vapor work, an original bath and a galley kitchen. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$164,750
Cash to close$32,145
Proof of funds to show$53,462
Where the $32,145 goes
  • Down payment (15% of the purchase)You$20,250
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,150
  • Prepaid interest (15 days)Lender$448
  • Property insuranceInsurer$1,758
  • AppraisalAppraiser$550

Interest while you rehab: $907 a month on the $114,750 funded at closing, $1,303 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $7,817 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Columbus

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
New Investor Program12.5% of purchase700+First flip OK9.75%1%75% of ARV12 months72 hours
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
Fastest Close (3 days)10% of purchaseNo minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Columbus prices sit right now

Before we price a Columbus flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Columbus median sale price at $237K for the three months ending September 2026, up 3.7% on a year earlier, with homes selling in around 37 days, up from 25 a year ago. The median price per square foot is $135.

Median sale price (Redfin)$237K
Change from a year earlierup 3.7%
Days on market (Redfin)37
Median price per square foot$135

Sources: Redfin, Columbus housing market

How a Columbus file actually gets priced

Selling times in Columbus have stretched from last year, so we price on what closed recently in the same neighborhood. Appraisers here keep Midtown separate from the east side and from North Columbus, and they won’t borrow a sale from Phenix City across the river in Alabama. We want the crawl space, the sewer line and the electrical panel inspected before the rehab budget is final.

The Chattahoochee, Bull Creek and Lindsey Creek all have floodplain through parts of the city, so check the map for the parcel, not just the neighborhood. Old houses in Midtown and the Historic District bring termite damage, clay sewer lines and knob and tube wiring. The downtown Historic District has design review for exterior work, so plan for that step before you change windows, siding or porches.

Who buys your finished Columbus deal

The finished Columbus house sells to an Army family, a civilian at the base, or an office worker downtown. Many use VA, so the house has to pass VA condition standards. Midtown’s tree-lined streets draw buyers who will pay for character. Rental demand from the base stays steady year round, so a DSCR loan on a long-term rental is a strong fallback if the sale misses the season.

What happens after you apply

Apply once and the whole Columbus loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Columbus

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Georgia →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Georgia →

Bridge and purchase only

12.5%down at 700+ credit, no rehab in the loan
Rates
from 9.75% at 680+ credit
Close
in 5-14 days
Good for
auction buys, off-market deals and 1031 timing

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Georgia →

Where we lend in Columbus

We broker deals across the whole Columbus market. The submarkets investors ask us about most are Midtown and Wynnton (31906), Lakebottom and Peacock Woods (31906), Waverly Terrace and Dinglewood (31906), Historic District downtown (31901), North Columbus (31904 / 31909) and East Columbus near the Fort Benning gate (31907).

How long does a Columbus loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Georgia, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Columbus hard money FAQ

Do you lend hard money in Columbus?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Columbus scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Georgia, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Columbus?
As of October 2026: Best Rate (15% down, from 8.99%); New Investor Program (12.5% down, from 9.75%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips); Fastest Close (3 days) (10% down, from 11.99%). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Columbus hard money loan close?
As little as 72 hours. Most Columbus fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Columbus flip?
The worked example on this page is a $135,000 Columbus purchase with a $50,000 rehab and a $265,000 after repair value at 700 credit, first flip: $20,250 down (15% of the purchase) and $32,145 total cash to close, with $53,462 of proof of funds to show the lender. The lowest down payment for a first flip in Columbus is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Columbus?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Columbus fix and flip loan?
One Columbus program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 700 and 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Columbus flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Columbus flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
When should I list a Columbus flip?
Aim for late spring and early summer, when most PCS moves into Fort Benning happen. Families on orders shop hard during that window and often close on VA loans. If your rehab will finish in late fall, plan to rent it instead, or price it to move against a thinner winter buyer pool.
Do Phenix City sales count as comps for a Columbus flip?
No. Phenix City is across the river in Alabama, with its own schools, taxes and buyer pool. Appraisers keep comps on the Georgia side for a Columbus house. Use renovated sales from the same Columbus neighborhood instead.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Columbus: Atlanta, Macon and Montgomery. More Georgia city guides: Alpharetta, Athens, Augusta, Pooler and Savannah. Or see everything we fund in Georgia.

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