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Investment property loans · Cobb County, GA

Hard money, fix and flip and DSCR loans in Marietta, GA

Marietta is the Cobb County seat, with a historic core around Marietta Square and a long aviation history tied to the plant Lockheed reopened in 1951. Investors renovate older houses in the National Register districts near downtown and buy single-family homes for long-term rentals. The city's redevelopment of the Franklin Road apartment corridor, now Franklin Gateway, shows how quickly one part of town can change.

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Where investors buy

Neighborhoods investors look at in Marietta

The historic districts around downtown hold antebellum and Victorian homes, small working-class houses and Craftsman bungalows, while corridors such as Franklin Road were lined with apartment complexes before the city's redevelopment.
Kennesaw AvenueMarietta's first local historic district, designated in 2013, where exterior projects need a certificate of appropriateness before work starts.
Whitlock AvenueAn 82-acre National Register district running west from the downtown commercial area, with houses that range from small working men's homes to Victorian houses and bungalows.
Church Street-Cherokee StreetA National Register district where the city adopted a district map and design guidelines in 2016, so confirm the review rules before exterior work.
Franklin GatewayThe former Franklin Road apartment corridor, where the city used a voter-approved 2013 redevelopment bond to buy and demolish aging complexes and sell the land for new development.

Loan programs

Loans for Marietta real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Marietta

30-year loans for Marietta rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Marietta

Buy and renovate in Marietta with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Marietta

Close quickly on a Marietta property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Marietta

Financing for new builds in Marietta, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Marietta

Financing for Marietta apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Marietta

Local rules and costs that change a deal's numbers or closing date in Marietta and Cobb County. Sources are listed at the bottom of the page.
  • Check whether a house is in the Kennesaw Avenue local historic district, which requires a certificate of appropriateness for listed projects, or the Church-Cherokee area, which has its own adopted design guidelines.
  • Inside city limits, tax bills include a City of Marietta levy and a Marietta City Schools levy, so price taxes from the parcel's actual bill rather than a countywide estimate.
  • Georgia taxes property on 40% of its fair market value. Owners have 45 days from the date of the annual assessment notice to appeal to the county board of assessors. After a purchase, compare Cobb County's next notice with your price.
  • Georgia's real estate transfer tax is $1 per $1,000 of the sale price. The seller owes it, but contracts often shift it to the buyer, so read that clause before you close.

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Marietta: common questions

Do you offer hard money loans in Marietta?

Yes. United Lending LLC offers private real estate financing for investors in Marietta and the rest of Cobb County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Marietta?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Kennesaw Avenue, Whitlock Avenue and Church Street-Cherokee Street, among other parts of Marietta.

How much can I borrow for a Marietta flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Marietta?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Marietta or have a Georgia LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Georgia, your loan officer will tell you what's needed before closing.

Georgia

More places we lend in Georgia

Sources (8)Checked November 6, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Marietta: Historic Districts & Local Landmarks
  2. Marietta City Schools: 2026 rollback millage rate hearings
  3. Georgia Department of Revenue: Property Tax FAQ (40% assessment)
  4. Georgia Department of Revenue: PT-311A appeal of assessment (45 days)
  5. Georgia Department of Revenue: Real Estate Transfer Tax
  6. Planetizen: Franklin Gateway redevelopment
  7. New Georgia Encyclopedia: Marietta
  8. Wikipedia: Whitlock Avenue Historic District