PRIVATE MONEY LOANS · Georgia (GA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Georgia Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Georgia Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 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 80% LTV / 85% LTC
Min FICO: Flexible Credit / Equity-Driven
2026 Rate Band
8.99% – 11.25% Interest-Only
6 to 36 Months Interest-Only
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 Private Money Loans (2026) — Up to 80% LTV / 85% LTC, 8.99% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach