Fix and Flip Loans · Georgia
Fix and Flip Loans for Georgia Real Estate Investors
Brey Lending works with Georgia real estate investors buying non-owner-occupied homes to renovate and sell or hold as rentals. Bring us the property and your plan early. We will review the numbers and tell you what information we need to evaluate a loan.
Simple start No application or appraisal needed. Send the address and deal basics, and we will tell you what comes next.
Who this loan is for
This loan may fit an investor who will renovate and sell the property, or renovate and refinance into long term rental financing. Brey Lending does not make owner-occupied consumer mortgages.
What we review
- Purchase price and estimated as is value
- Renovation scope, budget, and schedule
- Comparable sales and a supportable after repair value
- Your cash contribution and relevant project experience
- Sale or refinance plan, including enough time to execute it
- Title, insurance, and property condition
How renovation funds work
If the loan includes renovation financing, the approved scope and budget are documented before closing. Funds are generally released in draws as work is completed and verified. The proposal and loan documents explain draw requirements, timing, and any fees.
What to send first
Send the property address, current condition photos, purchase price, requested loan amount, expected closing date (COE), exit strategy, expected loan duration, and borrower’s credit score. Include the renovation budget and scope for a fix and flip. If a figure is still an estimate, label it clearly.
Timing and terms
Our typical closing timeline is 3 to 5 days once documents and title are ready. Loan terms are generally 3 to 12 months. Interest, origination fees, closing costs, extension terms, and any minimum interest are quoted for the individual deal.
Frequently asked questions
Can I finance renovation costs?
Potentially. The approved amount and draw structure depend on the property, budget, and underwriting.
How much cash do I need?
We expect a meaningful investment from the borrower. The amount varies with purchase price, property value, renovation costs, and the proposed loan structure.
Can I use the loan for a property where I live?
No. Brey Lending focuses on non-owner-occupied, business purpose investment property loans.
When should I contact Brey?
As soon as you have an address and a workable plan, ideally before your contract deadline is close.
Do I need to fill out an application?
No. Send the eight deal items listed above to get started. We will tell you what additional information is needed to close if the deal fits.
Do I need an appraisal?
No. Start by sharing the deal basics. Brey reviews the property and supporting market information directly. We may ask for photos, a budget, and documents needed to confirm the transaction and close.