Skip to content
UNITEDLENDING

Investment property loans · Chatham County, GA

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

In Savannah, much of the investor activity happens in the historic neighborhoods south of the downtown squares, where buyers restore 1870s and 1880s wood-frame Victorians and early 1900s streetcar houses. Others hold long-term rentals in early automobile suburbs like Ardsley Park. Short-term rental caps by ward, historic design review and flood elevation rules all shape what a property can earn and how long a rehab takes.

Get my termsCompare loans
  • No credit pull to start
  • About a minute
  • A loan officer calls you

Where investors buy

Neighborhoods investors look at in Savannah

South of downtown, housing moves from 1870s and 1880s two-story wood-frame Victorians with sawn-work trim to early 1900s streetcar houses and the 1910s and 1920s Revival, bungalow and Craftsman homes of Ardsley Park and Chatham Crescent.
Downtown Historic DistrictThe oldest core of the city, where the Historic District Board of Review rules on rehabs, additions, new construction and demolition.
Victorian DistrictTwo-story wood-frame houses from the 1870s and 1880s with decorative trim, under Historic Preservation Commission review and the ward caps on non-owner-occupied short-term rentals.
Thomas SquareJust south of the Victorian District in the Streetcar Historic District, with fixer-upper Victorians and early 1900s frame houses.
Cuyler-BrownvilleOne of Savannah's oldest African American neighborhoods, with modest one-story wood-frame houses and rowhouses on narrow lots, reviewed by the Historic Preservation Commission.
Ardsley Park-Chatham CrescentAn early automobile suburb of 1910s and 1920s Revival, bungalow and Craftsman houses, covered by a conservation district since 2018.

Loan programs

Loans for Savannah 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 Savannah

30-year loans for Savannah 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 Savannah

Buy and renovate in Savannah 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 Savannah

Close quickly on a Savannah 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 Savannah

Financing for new builds in Savannah, 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 Savannah

Financing for Savannah 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 Savannah

Local rules and costs that change a deal's numbers or closing date in Savannah and Chatham County. Sources are listed at the bottom of the page.
  • Check the ward before buying for nightly rentals: in the Downtown and Victorian historic districts, non-owner-occupied short-term vacation rentals are capped at 20% of parcels per ward, and full wards use a waiting list. In the Streetcar district's TN-2 zoning, a rental parcel needs two or more units with one owner-occupied.
  • Plan for a certificate of appropriateness on exterior work: the Historic District Board of Review handles downtown, and the Historic Preservation Commission handles the Victorian, Streetcar and Cuyler-Brownville districts.
  • In AE flood zones, Savannah requires a floodplain worksheet with the building permit for new or substantially improved buildings, uses 50 percent rule cost forms for large renovations, and wants a surveyor's elevation certificate after the foundation and before framing.
  • For DSCR loans and other notes with principal due more than 62 months out, budget for Georgia's intangible recording tax at $1.50 per $500 of the loan, with a $25,000 cap.

Get your terms

Have a Savannah property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
  • About a minute to fill in
  • No credit pull to start
  • A loan officer calls you back
  • Investment property only

Rather talk now? (718) 704-0499

Step 1 · About a minute in allNo credit pull

Your contact details

By pressing “Get my terms”, I agree that United Lending may contact me about this inquiry, and I accept the Terms of Use and Privacy Policy.

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 Savannah: common questions

Do you offer hard money loans in Savannah?

Yes. United Lending LLC offers private real estate financing for investors in Savannah and the rest of Chatham 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 Savannah?

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 Downtown Historic District, Victorian District and Thomas Square, among other parts of Savannah.

How much can I borrow for a Savannah 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 Savannah?

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 Savannah 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 (7)Checked November 9, 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 Savannah: Short-term Vacation Rental Regulations
  2. Chatham County-Savannah MPC: Downtown Historic District Board of Review
  3. City of Savannah: Codes and Forms (floodplain worksheet, 50% rule, elevation certificates)
  4. Chatham County-Savannah MPC: Ardsley Park-Chatham Crescent Conservation District
  5. Chatham County-Savannah MPC: Historic Preservation Commission 2026 application
  6. Georgia Department of Revenue: Intangible Recording Tax
  7. Chatham County Superior Court Clerk: HB 586 notice