Hard Money Lenders in Columbus, Georgia
We provide direct private loans to help investors achieve project success.
Loan includes a rehab budget which is 100% funded.
Close fast with no pre-payment fee.
Allows non-owner occupied investors to leverage their funds.
Participate in a transaction without bringing funds to the table.
Hard Money Lenders in Columbus, Georgia
In a city where military precision meets Southern innovation, FlipCo Financial powers Columbus’s real estate transformation with game-changing hard money loans. Our roots run as deep as the Chattahoochee River, and we understand what makes this market unique – from the tech startups energizing Uptown to the military families seeking modern homes near Fort Benning. Columbus isn’t just another Southern city; it’s a dynamic hub where whitewater adventurers rub shoulders with Fortune 500 executives, and historic mill buildings are reborn as luxury lofts. As local lenders, we’ve watched Broadway transform from sleepy storefronts to a vibrant entertainment district, and we’re here to help investors capitalize on the next big opportunity. Whether you’re converting industrial spaces in City Village into trendy apartments, developing smart homes for TSYS’s growing tech workforce, or restoring Victorian gems in Wynnton, our funding moves at the speed of opportunity. We don’t just process loans; we partner with visionaries who see potential in every brick of this historic town. From the food halls of Banks Food District to the quiet streets of Lakebottom, our hard money loans fuel the projects that are reshaping Columbus’s skyline. With funding up to 75% ARV and closings faster than a kayak shooting through the rapids, we’re the catalyst for your next investment success story in the Valley.
Military-Tech Fusion Creates Investment Gold
Columbus isn't just a military town anymore - it's where combat boots meet coding boots. Fort Benning's expansion alongside TSYS/Global Payments' tech hub has created a fascinating hybrid market where military precision meets Silicon Valley innovation. This unique combination drives demand for both traditional family homes and modern, tech-enabled living spaces. With the Army's Maneuver Center of Excellence bringing in military technology firms and the rapid growth of the cybersecurity sector, investors are finding success in developing "smart homes" that appeal to both tech professionals and military families. The stability of military presence combined with high-paying tech jobs creates a reliable tenant pool that few other markets can match.
The Rapids Effect: Adventure Tourism Reshaping Real Estate
The world's longest urban whitewater course isn't just making waves - it's creating ripples throughout the real estate market. Columbus's transformation into an outdoor adventure destination has sparked a renaissance in Uptown and along the riverfront. Properties that once turned their backs to the Chattahoochee now command premium prices for their river views and proximity to the action. Savvy investors are converting old warehouses into outdoor equipment shops, boutique hotels, and riverside restaurants. The growing adventure tourism industry has created unique opportunities for short-term rentals catering to kayakers, rafters, and zip-line enthusiasts, while simultaneously driving up values in previously overlooked riverside districts.
Cultural Crossroads: Where History Meets Hip
Columbus is experiencing a cultural metamorphosis that's reshaping its real estate landscape. The transformation of historic cotton mills into trendy loft apartments, the emergence of the Banks Food Hall as a culinary destination, and the evolution of Broadway into an entertainment district have created micro-markets with massive potential. The city's commitment to preserving its historical character while embracing modern amenities has sparked unique investment opportunities. Properties near the RiverCenter for the Performing Arts and the Columbus State University downtown campus are benefiting from an influx of artists, students, and young professionals. This blend of Southern history and contemporary culture creates distinctive opportunities for investors to participate in the city's artistic and cultural renaissance while preserving its authentic character.
Columbus, Georgia Hard Money Lenders
Quick closing
Minimal doc collection
All investor loans (non-owner occupied)
No appraisals, credit or background checks
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- Loan includes a rehab budget which is 100% funded.
- Leverage funds for multiple projects at once.
- Asset based approval.
- Quick and virtual rehab reimbursement.
- Close fast with a shortened guaranteed interest.
- No guaranteed interest.
- Stay ultra-competitive while making offers.
- Ideal for quick turnarounds and refinance exit stratgies.
- Allows non-owner occupied investors to leverage their funds.
- Ideal for auction purchases.
- Close with cash and let us put it back in your pocket.
- Get out of high interest rate private and hard money loans.
- Participate in a transaction without bringing funds to the table.
- Have a true closing to report.
- Seamless transaction.
- Bring your wholesaling game up a notch!
What Clients Say About Us!
FAQ's
At FlipCo, we understand that time is of the essence for real estate transactions. We can fund projects within 48 hours of receiving clear title and all underwriting documents.
The most important part of our deal structure is ensuring our client are set up for success. We go the extra mile to ensure that title issues are not overlooked, legal documents are prepared correctly for our clients and that our clients have all the tools they need for their projects. Our client’s success comes before anything else. Check out why we are the best Houston hard money lenders.
The monthly interest payment calculation is explained in detail via the agreed upon Term Sheet that is signed prior to project closing. We charge interest only payments and only ever on funds used. Our Houston hard money lenders will make sure you are notified about your payments well in advance and continually through your investing journey.
Yes, every property we lend on is required to have title, builder’s risk, hazard, and general liability insurance.
- Single Family Residential, up to 4 doors (No Owner-Occupied)
- First lien position
- Previously flooded properties require additional diligence from our underwriting team
- Additional square footage will require a survey prior to funding
At FlipCo, we offer a range of services to meet your real estate financing needs. Whether you’re looking to renovate and sell a property, secure a loan for a rental investment, or in need of a hard money loan, we have got you covered. Our Houston hard money lenders are experienced in providing financing options specifically designed for fix and flip projects, transactional funding rental investments, and refinance a rehab projects. For more information reach out to us here on our website.
When you contact our Houston hard money lenders, they will make sure to give you a check list of all the documents you need to qualify for your loan. Don’t worry, our experts have you covered.
Some Standard Documents of Purchase and Refinance Transactions will include and are not limited to:
– Driver’s License or Passport (ITIN number if you are a Foreign National)
– Purchase Agreement and any addendum(s)
– Proof of Earnest Money Deposit with check or wire receipt
– 2 Months Bank Statements to show the necessary cash to close and liquidity
– Entity Docs – Articles of organization, Operating agreement or Bylaws, EIN #, Corporate Resolution
– Title Commitment, Survey, HOA/Condo Questionnaire (if applicable), E&O, Wire Instructions, CPL, Draft Deed, HUD
– Evidence of Insurance – RCE/Insurable Value Required for Dwelling Coverage and 6 Months Loss of Rent Coverage
We typically approve our clients within 48 hours of receiving all required documents.
We do not require third party appraisals. All underwriting and price opinions are performed in house reducing project costs as well as providing enhanced efficiency to the underwriting process timeline. This makes a top choice for Houston hard money lenders.
- Last 3 months of bank statements
- Financial statement
- Completed borrower application
We offer a 3 and 6 month term.
FlipCo typically does not require a credit check. We pride ourselves on lending on the asset and strategy rather than the borrower’s credit score.
To qualify for a hard money loan, there are a few criteria you must meet. Firstly, if you are refinancing your property, you will need to have equity in it. This means that the value of the property should be higher than the outstanding balance of your existing mortgage.
If you are using the hard money loan for a property purchase, you will typically be required to make a down payment of at least 15% to 20% of the purchase price. Additionally, it is common practice for the property to be purchased under an entity, such as a business or commercial entity, to ensure that it is intended for business or commercial purposes.
These criteria, including having equity in your property for refinancing or making a sufficient down payment for a purchase, as well as utilizing an entity in the transaction, are important factors in qualifying for a hard money loan. FlipCo Financial are the premier Houston hard money lenders and will work with you to get the funding you need.
There are several compelling reasons why borrowers in Houston may opt for a hard money loan from a private lender instead of a conventional loan from a Houston bank:
1. Faster Funding: Unlike conventional banks that typically take 30-45 days or longer to approve and finance a residential loan, a Houston hard money loan from lenders like FlipCo Financial can be funded within a shorter time frame of 5-10 days. This is especially beneficial for borrowers who need immediate capital to secure a property or take advantage of time-sensitive opportunities.
2. Property Condition: Conventional banks often have strict underwriting guidelines that may prevent them from lending on properties in need of repair or upgrades. However, private lenders are more flexible in this regard and are willing to provide financing for properties that may lack cash flow or require renovations. This makes hard money loans a viable option for investors looking to purchase distressed properties or undertake renovation projects.
3. Asset-Based Lending: Unlike traditional banks that heavily rely on a borrower’s credit score, reported income, and debt-to-income ratio, hard money lenders focus primarily on the value of the asset being used as collateral for the loan. This means that borrowers with a less-than-perfect credit history or high debt levels can still be eligible for a hard money loan, as long as the property’s value justifies the loan amount. This asset-based approach opens up borrowing opportunities for individuals such as professionals with high incomes but significant debt obligations who may be turned down by traditional banks.
Overall, choosing a hard money loan in Houston from a private lender offers distinct advantages in terms of speed, property condition flexibility, and a focus on the asset rather than the borrower’s financial standing. These factors make hard money loans a preferred option for those seeking alternative financing options in the Houston market.
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