Hard Money Lenders Savannah GA STR and Fix and Flip Deals Funded Fast
We connect Savannah GA real estate investors with capital sources in our network for fix and flip, short-term rental bridge and DSCR rental financing. Asset-based approval with no income verification. Close in 7 to 14 business days.
~$350K
Median Home Price
$300+
Historic District Avg STR Nightly
15,000+
SCAD Student Enrollment
7-14 Days
Typical Close Time
Why Savannah investors choose Buckle Up Capital
Top 5 US Short-Term Rental Revenue Market
Savannah's historic district ranks among the top five short-term rental revenue markets in the country. Average nightly rates in the district exceed $300 and occupancy remains strong year-round driven by Savannah's position as one of the most visited cities in the Southeast. Investors acquiring STR-eligible properties with hard money bridge financing can capture premium revenue from day one of operation.
Port of Savannah Logistics Worker Demand
The Port of Savannah is the largest single-terminal container port on the East Coast and has expanded capacity significantly over recent years. The port and its supply chain ecosystem employ tens of thousands of logistics, transportation and warehouse workers in the Savannah metro. This workforce creates consistent housing demand in working-class and midtown submarkets at price points well below the historic district, giving investors multiple entry strategies.
SCAD Year-Round Rental Pool
Savannah College of Art and Design enrolls more than 15,000 students across its Savannah campus, creating year-round rental demand that extends beyond the traditional academic calendar. SCAD students rent heavily in the Starland District and Thomas Square areas, supporting above-average rents and low vacancy in those corridors. Capital sources in our network understand SCAD-area rental fundamentals and finance both acquisitions and renovations.
Savannah GA neighborhoods we fund
Historic District
Savannah's world-famous historic squares and antebellum architecture make the Historic District one of the most visited and highest-revenue short-term rental markets in the country. Average STR nightly rates exceed $300 and occupancy is strong year-round. Hard money bridge financing closes in 7 to 14 business days, essential in a market where historic properties attract multiple competing offers and sellers expect speed and certainty.
Thomas Square
One of Savannah's most actively revitalizing neighborhoods, Thomas Square sits immediately south of the Historic District and has attracted significant investment from young professionals and creative industry workers. Post-rehab values have risen sharply as the neighborhood's restaurant and retail scene develops. Hard money fix and flip financing is well-suited to the corridor's older Victorian-era housing stock.
Starland District
The arts-forward Starland District draws SCAD students and young professionals to its galleries, coffee shops and walkable streets. Rental demand is consistent and above-average rents are supported by the SCAD enrollment base. Investors building long-term rental portfolios in Starland benefit from stable tenant demand and post-rehab values that continue to rise as the district matures.
Eastside Savannah
Working-class residential Eastside neighborhoods offer affordable acquisition prices with strong rental demand from port and logistics workers. Below-median entry points allow investors to achieve attractive cash-on-cash returns on DSCR rental strategies. Capital sources in our network are comfortable underwriting Eastside acquisitions at competitive loan-to-value ratios for prepared investors.
Midtown Savannah
Midtown bridges the historic core and the suburban south side with a mix of residential and commercial properties. Steady population growth and healthcare employment anchor Midtown rental demand. Fix and flip opportunities in Midtown's mid-century housing stock attract a broad post-rehab buyer pool from families and professionals who want access to the city without historic district pricing.
Ardsley Park
Established early 20th century neighborhood with bungalows and craftsman homes set on wide, tree-lined streets. Ardsley Park commands some of the highest single-family residential values outside the Historic District. Distressed acquisition opportunities are less common but carry meaningful post-rehab upside. Hard money lenders in our network understand Ardsley Park valuations and close quickly for well-positioned deals.
Savannah GA hard money loan programs
Fix and Flip Loans
Thomas Square, Starland District and Midtown offer consistent distressed inventory with strong post-rehab absorption. Capital sources in our network finance both acquisition and renovation for Savannah fix and flip investors. Construction draws release in stages as work is completed. No income verification and no debt-to-income calculation required. Close in 7 to 14 business days to beat competing buyers on the best Savannah deals.
Short-Term Rental Bridge Loans
Bridge financing is the preferred hard money structure for Savannah STR acquisitions. A bridge loan closes fast, getting you into a Historic District or Thomas Square property before a competing buyer locks it up. Most Savannah STR investors exit the bridge loan into a DSCR rental loan once the property is operating and generating documented income. Capital sources in our network are experienced with Savannah STR deal structures.
DSCR Rental Loans
DSCR rental loans qualify on the income the Savannah property generates, not on your personal tax returns or W-2. No income verification required. Ideal for investors exiting a fix and flip or a bridge loan into a long-term hold position. Savannah's strong STR revenue per night makes many Historic District and Thomas Square properties strong DSCR candidates once operating income is established.
See all programs on our Georgia fix and flip loans page or use the ARV calculator to run your Savannah deal numbers before applying.
How to qualify for a Savannah GA hard money loan
Qualifying for a hard money loan in Savannah is straightforward compared to conventional bank financing. Capital sources in our network underwrite on the asset, not the borrower. The primary qualification factors are the property value, the loan-to-value ratio relative to after-repair value and a credible exit strategy such as a sale, STR stabilization or a refinance into a long-term DSCR rental loan.
A minimum 600 credit score applies on most programs, though a strong deal in a well-priced Savannah neighborhood carries far more weight than the score itself. First-time real estate investors are accepted on select programs. Experienced Savannah investors with a track record of completed fix and flip or STR projects qualify for better pricing and higher loan amounts. There is no debt-to-income calculation and no cap on the number of investment properties you can carry.
Explore our Georgia hard money lending guide for statewide program options, or go directly to Georgia DSCR loan programs to see how Savannah investors hold properties long term.
Credit Score
600 minimum. Files above 640 and 680 qualify for better pricing.
Down Payment
10 to 25% of purchase price depending on program and LTV.
ARV Underwrite
Loan sized to 70% of after-repair value on most programs.
Loan Amount
$75,000 to $3,000,000 per Savannah project.
Experience
First-time investors accepted on select programs.
Reserves
3 to 6 months of payments preferred after closing.
Income Verification
None required. Asset-based underwriting only.
Property Types
SFR, 2-4 unit, multifamily, light commercial, condos.
How to get a hard money loan in Savannah GA
Submit the property address, your purchase price or current value, estimated renovation budget and your exit strategy. Takes about five minutes. No credit pull required to get started.
We evaluate the deal on asset value, not your income. Capital sources in our network review the Savannah property numbers and return a term sheet within 24 to 48 hours in most cases.
Accept the term sheet and move into underwriting. We coordinate with the capital source and handle condition clearing so you are not managing multiple parties across the Georgia coast market.
Close in 7 to 14 business days. Funds wire to the title company. You own the Savannah property and can begin your fix and flip, STR launch or rental strategy immediately.
Savannah GA hard money lender questions
All loans facilitated by Buckle Up Capital are for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Loans are placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
More Georgia and Southeast Markets
Ready to fund your next Savannah GA investment property?
Submit your Savannah deal and we will run it through our network of capital sources across the Georgia coast market. No credit pull. No commitment. Term sheet in 24 to 48 hours.
Get Funded