MULTIFAMILY (5+ UNITS) · Georgia (GA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Georgia Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing) — 2026 Rates, LTV Caps & State Rules

Georgia Multifamily (5+ Units) provide business-purpose real estate investors with Up to 75%–80% LTV Purchase / 70%–75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge, 660+ FICO min FICO, 21 – 30 Business Days close). In Georgia (GA), lenders underwrite to a Non-Judicial (First Tuesday Power of Sale) statutory framework (35–50 days-day average timeline), a 0.87% average property tax rate (~$257/mo at the $355,000 state median), and $590/$100K hazard insurance (~$175/mo).

Max Leverage / LTC
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out
Min FICO: 660+ FICO
2026 Rate Band
6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge
GA Security Instrument
Non-Judicial (First Tuesday Power of Sale)
35–50 days days avg timeline
GA Avg Tax & Ins
0.87% Tax
$590/$100K Hazard Ins

Georgia County-Level Property Tax & Insurance Hubs (5)

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Georgia Multifamily (5+ Units) (2026) — Up to 75%–80% LTV Purchase / 70%–75% Cash-Out, 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) | Stephen R. Mannenbach | Stephen Mannenbach