What a 100% Financed Atlanta Fix-and-Flip Could Look Like
This illustrative Atlanta-area SFR scenario shows how a qualifying investor could finance 100% of the purchase price, 100% of eligible renovation costs, and an interest reserve while remaining below the program’s 75% ARV limit.
- Fix & Flip
- Atlanta Metro
- Business-Purpose Loan
- 600+ Credit
- 1+ Completed Project
A Sample Deal Built Around the Complete Project
Assume a qualified investor identifies a dated Atlanta-area SFR for $225,000 and develops a $75,000 renovation plan. The completed property is projected to have a $450,000 after-repair value.
In this hypothetical structure, the loan covers the full purchase price and eligible renovation budget, plus a $24,000 interest reserve. Total proceeds of $324,000 equal 72% of the projected ARV—within the program’s maximum 75% ARV limit.
- 100% of the purchase price and eligible renovation costs considered
- $24,000 illustrative interest reserve included within maximum leverage
- Leverage evaluated against the projected after-repair value
- Liquidity preserved for reserves, carrying costs, and contingencies
- One clear point of contact from scenario review through closing
Visualizing the Renovation Plan
These AI-generated concept images illustrate the type of modest SFR transformation this sample budget could support. They do not depict an actual borrower, property, or completed project.
Financing Built Around the Entire Project
$300,000 in Project Costs
The sample loan finances the full $225,000 purchase and $75,000 eligible renovation budget, subject to underwriting and the 75% ARV ceiling.
$24,000 Interest Reserve
The hypothetical reserve brings total proceeds to $324,000 and illustrates how carrying-cost support may fit when leverage permits.
72% of Projected ARV
The sample $324,000 loan equals 72% of the $450,000 projected ARV—above a 70% cap but within the program’s 75% maximum.
100% Land Purchase + 100% Build Costs for Qualified GUC Projects
Borrowers Capital also works with experienced investors and builders seeking ground-up construction financing. A qualifying structure can cover 100% of the land purchase price and 100% of eligible construction costs, up to 75% of the projected completed value. When the numbers support it, an eligible interest reserve may also be included.
Have a Fix-and-Flip or Construction Deal?
Send the property details, borrower experience, budget, projected value, and available liquidity. We’ll review the scenario and identify a viable path forward.