Fix and Flip Loans in Floyd County Georgia
Whether you’re flipping historic homes in downtown Rome, renovating rental stock in Lindale, or tackling value-add projects in Cave Spring, we provide the speed and reliability you need to succeed.
Fix and Flip Loans in Floyd County
CheapLOI.com provides fast, flexible fix and flip loans for real estate investors throughout Floyd County, Georgia — including Rome, Lindale, Silver Creek, Cave Spring, and Garden Lakes. If you’re purchasing a distressed home, renovating for resale, or scaling your flipping business, our hard-to-find investor-friendly capital helps you close quickly and stay competitive.
- No tax returns.
- No W-2s.
- No income verification.
- Just asset-based approvals built for Georgia real estate investors.
Why Floyd County Is a Strong Fix & Flip Market
Floyd County offers some of the strongest flipping conditions in Northwest Georgia, driven by active buyer demand across Rome and nearby submarkets, growing STR activity near downtown and Cave Spring, and a strong employment base in retail, medical, and education sectors. The area also sees a steady influx of relocation buyers seeking affordable housing, supported by a large supply of older homes that are ideal for renovation projects.
Fix & Flip Loan Requirements
We need:
- LLC entity
- ID
- Purchase contract
- Rehab budget
- Photos or inspection report
- Exit strategy (sale or DSCR refi)
We do NOT require:
- Income documents
- Bank statements
- Tax returns
- DTI calculations
Property Types Eligible
- We fund a wide range of investment properties in Floyd County:
- Distressed SFRs
- Condos & townhomes
- Duplex, triplex, quad
- Small multifamily (up to 30 units)
- Historic homes in downtown Rome
- Rural homes in Cave Spring & Silver Creek
- Non-warrantable condos
- Manufactured homes with land
Loan Program Summary
- Borrower Type: LLCs only
- Loan Amount: $75,000 – $7,500,000+
- Leverage: Up to 90% Purchase + 100% Rehab
- Max ARV: Up to 75% of After-Repair Value
- Rate: Starting at 10.25%
- Term: 6–18 months (extensions available)
- Closing Timeline: 5–10 business days
- Underwriting: Asset-based; no income docs required
How It Work
Submit Your Deal
Same-Day Term Sheet
Underwriting
Close Fast
Rehab Draws
Banks vs. Private Loans
We fund distressed & rural homes
Close in 5–10 days
Same-day term sheets
Fast draw funding: 24–72 hours
No tax returns or W-2s
Local Market Insight
CheapLOI.com understands Floyd County’s real flipping conditions, from strong rental and resale demand in Rome to growing STR activity in Cave Spring and steady entry-level flip opportunities in Lindale and Silver Creek. Local factors such as seasonal weather delays, varying inspection requirements, and septic or access documentation on rural homes all shape renovation timelines, while downtown Rome projects may require historic review. Investor hot-spots include Rome (30161, 30165), Lindale (30147), Silver Creek (30173), and Cave Spring (30124). We structure loans around these realities to speed approvals and reduce delays.
FAQs
A Georgia constructi
Most deals close in 5–10 business days.
on loan for investors is short-term financing used to cover the cost of building new real estate projects. These loans are commonly used by builders, developers, and investors looking to fund ground-up residential or commercial construction projects across Georgia.
Yes — we fund heavy rehab, historic conversions, and distressed assets.
No. Approval is 100% asset-based.
$75,000.
Ready to Fund Your Floyd County Fix & Flip?
Apply now for fast approval Or call: (800) 664-7505. We are Serving real estate investors across County and throughout Georgia.