Short term
Fix & flip
Buy, renovate and sell. Rehab is paid out in draws as the work gets done.
- Purchase
- Up to 90% [confirm]
- Rehab
- Up to 100% [confirm]
- Max loan
- 70% of ARV [confirm]
- Term
- [12 months], interest-only
Savant Lending · Investor loans
Financing for flips, builds and rentals.
Short-term loans for fix-and-flip and new construction. Long-term rental loans qualified on the property's rent, not your tax returns. Run the deal here, then send it to a Savant loan officer for terms.
Google reviewsGeorgia properties[Term sheet in 24 hours]
Estimated profit
$63,439
136.8% return on $46,361 of your cash
Loan amount
$285,000
67.9% of ARV
Cash in the deal
$46,361
Down, points and interest
Interest
$15,661
6 months, interest-only
Points
$5,700
2 points at closing
Assumes 90% of purchase and 100% of rehab financed, capped at 70% of ARV; 10.99% interest-only on the full loan; 6% selling costs. Title, insurance and holding costs not included. Estimates only, not a commitment to lend. [All leverage, rate and point figures are placeholders pending Savant Lending's investor program terms.]
Three loans
One for each stage of the deal.
Short term
New construction
Ground-up builds on a lot you own or are buying. Construction funds go out in draws by stage.
- Land + build
- Up to 85% [confirm]
- Max loan
- 70% of completed value [confirm]
- Term
- [12–18 months], interest-only
- Draws
- [Inspection-based]
Long term
Rental loans
Buy or refinance a rental. Qualified on the property’s rent through its debt service coverage ratio (DSCR), not your personal income.
- Purchase
- Up to 75% LTV [confirm]
- Qualify on
- Rent (DSCR)
- Term
- 30-year fixed [confirm]
- Property
- 1–4 units [confirm]
Why investors use Savant
Find it, fund it and sell it with one team.
Savant agents and Savant Lending work the same Georgia deals. The agent who helps you buy can list the finished house, and the loan officer who funded the flip can refinance the rental. Fewer handoffs, fewer surprises at closing.
Georgia only
Every loan is on a Georgia property, so values, permits and timelines are ones Savant knows.
Agents on the same team
Savant agents can help find the deal and list it when the work is done.
Clear terms up front
A written term sheet with rate, points and fees before you pay for an appraisal. [Confirm.]
Flip to rental
Keep a property instead of selling, and refinance into a rental loan with the same loan officer.
From deal to funded.
1
Submit the deal
Address, price, budget and your exit. The calculator numbers come with it.
2
Get a term sheet
Rate, leverage, points and fees in writing. [Confirm timing.]
3
Valuation and title
Savant Lending orders the appraisal or valuation and works with your title company.
4
Close and draw
Close in your LLC. Rehab and construction funds go out in draws as work is completed.
Submit a deal.
Send the address and the numbers. A Savant loan officer reviews it and comes back with terms. [Confirm response time.]
- Property address and purchase contract, if you have one
- Rehab or construction budget and scope of work
- Expected sale price or rent
- Your track record, if any
Investor loan questions.
No, though experience can raise your leverage and lower your rate. First-time investors are reviewed case by case. [Confirm.]
You fund the work, an inspector confirms it is done, and Savant Lending releases that draw. [Confirm draw schedule and inspection fee.]
Debt service coverage ratio: the property’s rent divided by its monthly payment, taxes and insurance. A DSCR of 1.20 means the rent covers the payment 1.2 times. Rental loans qualify on this number, not your tax returns.
Yes. If you decide to keep the property, a rental loan can pay off the short-term loan once the work is done and a tenant is in place.
Yes. Investor loans are usually made to an LLC or other entity, with a personal guarantee. [Confirm.]
[Confirm prepayment terms for short-term and rental loans.]
No. Investor loans are business-purpose loans for non-owner-occupied property. For a home you’ll live in, see purchase loans.