BRRRR in Georgia

• Local codes & permits: Rehab timelines and requirements vary by city/county; confirm inspections early.
• Property taxes & insurance: Reassessments and rate shifts can impact DSCR; underwrite conservatively.
• Landlord‑tenant rules: Screening, deposits, notices, and eviction processes differ by jurisdiction.
• Contractor capacity: Validate bids, scope, and change order terms; keep tight draw schedules.
• Refi criteria: Seasoning, LTV, DSCR, and appraisal standards influence your timeline and proceeds.

Regulatory Landscape

• Landlord-friendly eviction process with 3-day notice for non-payment and efficient court proceedings.
• No statewide rent control; local municipalities prohibited from implementing rent stabilization measures.
• Security deposits limited to two months' rent with specific return timeframes and deduction procedures.
• Property tax assessment appeals process straightforward; homestead exemption available for owner-occupants.
• Building permits generally expedited in metro areas; energy efficiency requirements increasing.
• Lead paint disclosure required pre-1978 properties; standard asbestos regulations for major renovations.
• Short-term rental regulations emerging in major cities; Atlanta requires permits and taxation compliance.

Financing Tips

• Model exit scenarios if ARV or rent land below target.
• Carry reserves for overruns and refinance delays.
• Lock rates strategically; track market movements.
• Document rehab thoroughly to support appraisal value.

Speak with Jake N Finance Group to size leverage and timeline.

Financing Benchmarks

• Target DSCR ≥ 1.25–1.35x given Georgia's stable economic growth and rental markets.
• Purchase LTV typically 75–85% for qualified investors in primary markets.
• Refi LTV commonly 70–80% subject to updated appraisal and market conditions.
• Seasoning requirements 6–12 months; established investor relationships may qualify for shorter periods.
• Carry 10–15% rehab contingency due to skilled labor demand and material cost fluctuations.
• Maintain 8–12 months reserves; Georgia markets show good resilience to economic cycles.
• Property management costs typically 8-10% of gross rents in major metros.