REHAB & BRRRR LOANS · Georgia (GA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Georgia Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) — 2026 Rates, LTV Caps & State Rules

Georgia Rehab & BRRRR Loans provide business-purpose real estate investors with Up to 85%–90% LTC + 100% Rehab Escrowed across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) (12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi, 620+ FICO 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 85%–90% LTC + 100% Rehab Escrowed
Min FICO: 620+ FICO
2026 Rate Band
9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi
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 Rehab & BRRRR Loans (2026) — Up to 85%–90% LTC + 100% Rehab Escrowed, 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) | Stephen R. Mannenbach | Stephen Mannenbach