Hard Money Lender in Athens, GA

Athens, Georgia is home to the University of Georgia and a fast-growing real estate market driven by student demand, faculty housing, and a thriving creative economy. From Five Points bungalows to Normaltown multifamily properties, Athens investors are moving fast on deals that banks simply can't fund in time.

Unitas Funding provides hard money loans in Athens for fix-and-flip projects, new construction, bridge financing, and DSCR rental acquisitions. We close in 10 business days with rates starting at 8.99% and LTC up to 92.5%—giving Athens investors the speed and capital they need to compete.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Athens Deal

Don't let slow financing cost you the Athens deal you've been waiting for. Our pre-approvals are real commitments—not soft estimates—delivered in 24 hours. Whether you're targeting a student rental near UGA or a rehab in Cobbham, Unitas has the capital ready to deploy.

Fix & Flip Loans

Fix & Flip Loans

Athens fix-and-flip investors target bungalows and historic homes near UGA for short-term rehab returns. Unitas funds up to 92.5% LTC with 24- to 48-hour draw schedules, so your renovation crews stay on schedule from purchase through final sale.

Learn More
New Construction Loans

New Construction Loans

New construction demand is rising in Athens as UGA enrollment grows and workforce housing falls short. Unitas funds ground-up construction with phased draws, flexible 12- to 24-month terms, and same-week approval so your site can break ground without delay.

Learn More
Bridge Loans

Bridge Loans

Bridge loans in Athens help investors move between deals when timing doesn't align—covering a purchase before a refinance closes or a disposition before a new acquisition funds. Unitas provides fast bridge capital with no income verification requirements.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Athens rental investors near UGA benefit from consistent demand from students, faculty, and hospital staff. DSCR loans from Unitas are underwritten on property cash flow alone—no W-2s, no tax returns—so landlords can scale their Athens portfolio efficiently.

Learn More


What Makes Unitas Different in Athens

  1. Local Market Understanding
    We understand Athens's UGA-driven rental demand, its tight walkable neighborhoods, and how quickly well-priced deals move near campus. Our underwriters evaluate Athens properties on their real investment merit.

  2. Speed and Capital
    Athens investors can't afford to wait 30 days for bank approval. Unitas delivers pre-approvals within 24 hours and funds deals in 10 business days—keeping you competitive in Athens's active market.

  3. Flexible Loan Structure
    From a single-family flip in Boulevard to a multifamily construction project in East Athens, Unitas structures loans to match your exit strategy—with 12-, 18-, or 24-month terms and interest-only payments.

  4. Proven Track Record
    With over $4.5 billion deployed across hundreds of markets, Unitas brings institutional capital and local market expertise to every Athens deal.


shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Stop losing Athens deals to buyers with faster financing. Our pre-approvals are real commitments backed by $4.5 billion in deployed capital—not soft estimates that fall apart at closing. Get your Athens investment pre-approved today.

Frequently Asked Questions

What types of investment properties do you finance in Athens, GA?

Unitas Funding finances residential investment properties in Athens including single-family homes, multifamily properties up to 4 units, townhomes, and mixed-use buildings. We offer fix-and-flip, new construction, bridge, and DSCR loan programs. All loans are made to business entities and for investment purposes only.

How quickly can you close on an Athens investment property?

Unitas closes Athens deals in 10 business days. Our pre-approvals are issued within 24 hours and final loan approvals typically follow within 3 to 5 business days—far faster than the 30 to 45 days typical at conventional lenders.

What are your loan-to-cost ratios for Athens fix-and-flip projects?

We fund up to 92.5% LTC on qualified Athens fix-and-flip deals. Rates start at 8.99%, and our underwriters evaluate each project based on the purchase price, renovation scope, and after-repair value. Loan structures are customized to match your specific Athens project.

Do you require personal income verification for DSCR loans in Athens?

No. DSCR loans from Unitas are underwritten based on the income-producing potential of the Athens property itself—not personal income or employment history. You'll need to provide business entity documentation and demonstrate sufficient liquidity for the down payment and reserves.

What areas of Athens do you serve?

Unitas serves investors throughout Athens-Clarke County and the surrounding Georgia communities, including Five Points, Normaltown, Boulevard, Cobbham, East Athens, and neighboring towns in the Athens metro area.

 

Ready to Fund Your Next Athens Real Estate Investment?

Unitas Funding provides the speedy, flexible private loans Athens real estate investors need to close deals in Georgia's college-town market. From Normaltown fix-and-flips to DSCR rentals near the UGA campus, we fund projects across Clarke County and the Athens metro. Contact us today to discuss your Athens investment property financing.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.