All Programs and Guides on Investor Loans Georgia
Every guide on this site, one screen. Program pages carry the mechanics; market pages carry the local numbers and permit rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: ordinary rules, the intangible-tax quirk, BRRRR seasoning timelines.
- Short-term rental loans: Airbnb and cabin financing with honest income-documentation lanes, plus the mid-term angle.
- LLC lending: close in the entity; due-on-sale rules; why Georgia has no series LLC.
- Portfolio + 2–4 unit + Section 8 + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks, attorney office booked early.
Market guides
- Atlanta: the deepest market; institutional context; the 2-property STR cap.
- Savannah + Tybee: coastal demand, the downtown ward caps, and the proposed-not-adopted island cap.
- North Georgia cabins: Blue Ridge and Fannin County, the friendliest STR regime in the state.
Georgia reference
- STR permit rules by city: the eight-jurisdiction status table, verified July 2026.
- Rental property taxes: the 40% assessment ratio, HB 581 reality, the 299(c) freeze, closing costs.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City STR rules, tax figures, and filing fees change; verify current requirements with the city or county, your CPA, or a Georgia real estate attorney before you buy. Loans are subject to buyer and property qualification.