# Atlanta Fix and Flip Loans

> Hard money, fix and flip and DSCR rental loans for Atlanta and metro Atlanta real estate investors. The Atlanta division of Optimus Capital Corp (https://www.optimuscapitalcorp.com/), a relationship-driven lender for real estate investors founded in 2015. Business-purpose loans on non-owner-occupied investment property only.

Atlanta Fix and Flip Loans lends to real estate investors in Atlanta, Decatur, East Point, College Park, Marietta, Smyrna, Lawrenceville, Stone Mountain and the rest of metro Atlanta. Andrew Shanti (Senior Vice President) runs the Atlanta division and has worked in lending and real estate since 2005. Phone (954) 598-4564. Email andrew@optimuscapitalcorp.com.

Key terms: Fix and flip loans up to 90% of purchase and 100% of rehab at a 720+ credit score, within 70 to 75% of after-repair value, interest only, 6 to 24 months, no prepayment penalty. DSCR rental loans up to 85% loan-to-value to purchase and 80% on a cash-out refinance, qualified on rental income (long-term market rent unless the address may legally host short-term rentals), with no tax returns or employment check. Ground-up construction loans up to 90% of cost for experienced builders. Minimum credit score 600. Loan amounts from $75,000 to more than $10 million. Rental loans close in about 30 days; fix and flip loans average up to 21 days and can close in about 7 days.

## Loan programs
- [Investment Property Loans in Atlanta](https://atlantafixandfliploan.com/investment-property-loans-atlanta/): non-owner-occupied lending and how to choose a lender
- [Fix and Flip Loans](https://atlantafixandfliploan.com/fix-and-flip-loans/): purchase and renovation bridge loans
- [DSCR Rental Loans](https://atlantafixandfliploan.com/dscr-rental-loans/): single-family rentals, duplexes, townhomes and small multifamily
- [Ground-Up Construction Loans](https://atlantafixandfliploan.com/new-construction-loans/): new homes, build-to-rent and infill
- [Hard Money Loan Programs](https://atlantafixandfliploan.com/hard-money-loan-programs/): all six programs compared

## Company
- [About Atlanta Fix and Flip Loans](https://atlantafixandfliploan.com/about-us/)
- [Hard Money and Fix and Flip Loan FAQ](https://atlantafixandfliploan.com/faq/)
- [Contact](https://atlantafixandfliploan.com/contact/)

## Markets
- [Areas We Serve](https://atlantafixandfliploan.com/areas-we-serve/)
- [Hard Money Loans in Atlanta, GA](https://atlantafixandfliploan.com/atlanta-ga/)
- [Hard Money Loans in Decatur, GA](https://atlantafixandfliploan.com/decatur-ga/)
- [Hard Money Loans in East Point, GA](https://atlantafixandfliploan.com/east-point-ga/)
- [Hard Money Loans in College Park, GA](https://atlantafixandfliploan.com/college-park-ga/)
- [Hard Money Loans in Marietta, GA](https://atlantafixandfliploan.com/marietta-ga/)
- [Hard Money Loans in Smyrna, GA](https://atlantafixandfliploan.com/smyrna-ga/)
- [Hard Money Loans in Lawrenceville, GA](https://atlantafixandfliploan.com/lawrenceville-ga/)
- [Hard Money Loans in Stone Mountain, GA](https://atlantafixandfliploan.com/stone-mountain-ga/)

## Guides
- [Cost Segregation for Atlanta Rental Property: Bigger Deductions in Year One](https://atlantafixandfliploan.com/cost-segregation-atlanta-rental-property/): How a cost segregation study front-loads depreciation on a metro Atlanta rental, what 100% bonus depreciation changes, and how Georgia treats it.
- [Fix and Flip Loans in Atlanta: How to Finance a House Renovation](https://atlantafixandfliploan.com/fix-and-flip-loans-atlanta-guide/): How a fix and flip loan is sized on an Atlanta house, what crawl spaces, termites, trees, property taxes and closing costs do to the budget, and how to plan the exit.
- [Georgia Property Tax for Real Estate Investors: What to Budget For](https://atlantafixandfliploan.com/georgia-property-tax-investors/): How Georgia taxes investment property, what the 40% assessment ratio means, why a rental gets no homestead exemption, and how to appeal your value in Fulton, DeKalb, Cobb and Gwinnett.
- [Short-Term Rental Rules in Atlanta and the Suburbs](https://atlantafixandfliploan.com/atlanta-short-term-rental-rules-investors/): How Atlanta’s short-term rental license works, why it limits investors, what the suburbs and HOAs require, and how we underwrite an Atlanta rental.
- [Georgia Landlord Rules for Investors: The Safe at Home Act, Deposits and Evictions](https://atlantafixandfliploan.com/georgia-landlord-rules-investors/): What Georgia’s 2024 Safe at Home Act requires of landlords, how security deposits and move-in lists work, how the dispossessory process runs, and why there is no rent control.
- [DSCR Loans for Atlanta Rental Property: How They Work](https://atlantafixandfliploan.com/dscr-loans-atlanta-rental-property/): How a DSCR loan qualifies a metro Atlanta rental on its rent, why property tax and insurance decide the ratio, and how to make the numbers work.
- [Hard Money Loan Document Checklist](https://atlantafixandfliploan.com/hard-money-loans-document-list/): What to gather for a rental (DSCR) loan, a new construction loan and a fix and flip loan, divided into one-time documents and documents for each deal.

## Optional
- [Full site content as plain text](https://atlantafixandfliploan.com/llms-full.txt)
- [Sitemap](https://atlantafixandfliploan.com/sitemap.xml)