Licensed & LendingHard Money & DSCR Loans in Georgia
Capital Kings funds hard money and DSCR loans for Georgia investors. Atlanta metro flips, Savannah short-term rentals, Augusta value-adds, and statewide rental portfolio acquisitions. Georgia is one of the most active investor states in the country and we have a deep bench of lenders that fund here every week.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Georgia Deals
The Atlanta metro alone supports more flip activity than entire states, and our lender network includes shops that specialize in the Cobb / Gwinnett / DeKalb / Fulton spread. For DSCR rentals, the Atlanta cash-flow markets (Stone Mountain, Decatur, College Park) get priced confidently because the rent comps are abundant and our lenders know them.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Georgia fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Georgia buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Georgia growth corridors specifically.
Active Markets
Cities We Fund Across Georgia
Active lending across Georgia's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Georgia Investors
Atlanta fix-and-flip closes in 7 days
Available statewide for Georgia investors.
DSCR rentals throughout metro Atlanta + secondary cities
Available statewide for Georgia investors.
Bridge financing for Georgia multifamily
Available statewide for Georgia investors.
Ground-up new construction in growth submarkets
Available statewide for Georgia investors.
Common Questions
Georgia Lending FAQ
Do you lend hard money loans in Georgia?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Georgia through our 270+ lender network. We close Georgia deals in as little as 7 days.
What cities in Georgia does Capital Kings lend in?
We fund investor loans statewide in Georgia, with active deal flow in Atlanta, Savannah, Augusta, Columbus, Macon and the surrounding metros.
Do you offer DSCR rental loans in Georgia?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Georgia on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Georgia hard money loan close?
Most Georgia fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Georgia fix-and-flip loan?
As little as 0% down on the right deal. Most Georgia hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Georgia can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Georgia Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Georgia deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Georgia deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Georgia are originated by partner lenders licensed to lend in Georgia. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.