Summary
949 SMITH ST SW, ATLANTA, GA is a $35,320 loan offering structured as a first lien position on a purchase project in ATLANTA, GA listed on Groundfloor.
The offering carries a stated rate of 14%, a term of 15 months, a loan-to-value of 48.7%, and a minimum investment of $10.
It is secured by Real estate at 949 SMITH ST SW, GA, and the borrowing entity is 949 SMITH INC..
According to the offering circular, the loan is a first lien, on the property at 949 SMITH ST SW, ATLANTA, GA 30310, with a 15-month term, a 14% rate to the borrower.
AltStreet tracks 787 other Groundfloor offerings in ATLANTA, GA, with disclosed rates ranging from 6% to 19%, and across 4,355 tracked Groundfloor offerings the median disclosed rate is 10.5%.
Terms shown here are drawn from SEC filing 0001104659-23-022141 and were captured by AltStreet on 2026-06-01. Figures are as disclosed at the time of the offering and are not updated for subsequent performance.
Disclosed Terms
- Offering amount
- $35,320
- Stated rate
- 14%
- Term
- 15 months
- Loan-to-value
- 48.7%
- Position
- First Lien
- Minimum investment
- $10
- Project type
- Purchase
- Collateral
- Real Estate
- Return type
- Interest
- Borrowing entity
- 949 SMITH INC.
- Status
- Active
- Target return
- 14%
- Collateral in place at close
- Yes
- Property address
- 949 SMITH ST SW, ATLANTA, GA 30310
- Lien position
- First Lien
- Loan term
- 15 months
- Rate to borrower
- 14%
- Repayment
- Balloon payment incipal and interest returned on repayment due at maturity.
- Loan-to-ARV
- 48.7%
- Loan principal
- $35,320
- Maximum offering
- $35,320
- Offering circular
- Form 1-A POS 0001104659-23-022141
Terms as disclosed at the time of the offering. AltStreet does not update these figures for subsequent performance, and a disclosed rate is not a realized return.
Where It Sits in Groundfloor's Book
Disclosed rate
14%
Above 94% of peers, median 10.5%. High for the book.
Hold period
15 mo
Above 65% of peers, median 12 mo. Near the middle of the book.
Loan to value
48.7%
Above 7% of peers, median 67.9%. Low for the book.
Compared against 4,323 other Groundfloor real estate offerings with a disclosed rate. 1,423 of them are in GA, where the median disclosed rate is 10.5%. A percentile places a disclosed term, not a result. Browse the full Groundfloor book.
Filing Record
949 SMITH ST SW, ATLANTA, GA is offered under Groundfloor's Regulation A (Form 1-A) program, a single SEC registrant that covers 3,079 tracked offerings. The program's filing history runs from 1-A on Oct 4, 2022 to 1-K on Apr 1, 2026. Those filings describe the program, not this loan; the terms above are this offering's own.
7 supplements with pricing figures and 19 audited annual statements are on file for this issuer.
From SEC EDGAR, as filed. Issuer filing history.
Terminal Analysis
Terminal analysis for this offering
Terminal access unlocks rate, LTV, and term percentiles against every tracked peer, the borrower's prior-loan repayment record, the full valuation and cost stack, and more.
Access full researchQuestions About This Offering
What is 949 SMITH ST SW, ATLANTA, GA?
949 SMITH ST SW, ATLANTA, GA is a $35,320 loan offering structured as a first lien position on a purchase project in ATLANTA, GA listed on Groundfloor. The offering carries a stated rate of 14%, a term of 15 months, a loan-to-value of 48.7%, and a minimum investment of $10. It is secured by Real estate at 949 SMITH ST SW, GA, and the borrowing entity is 949 SMITH INC..
What interest rate does 949 SMITH ST SW, ATLANTA, GA pay?
The offering carries a stated rate of 14% over a term of 15 months, as disclosed at the time of the offering on Groundfloor. Stated rates are not guaranteed returns; repayment depends on the borrower and the underlying collateral.
What is the loan-to-value on 949 SMITH ST SW, ATLANTA, GA?
The disclosed loan-to-value is 48.7% on the property in ATLANTA, GA. For fix-and-flip and construction lending, this ratio is typically measured against after-repair value rather than the current as-is value, so it reflects a projected valuation rather than a realized one.
Who is the issuer of 949 SMITH ST SW, ATLANTA, GA?
The securities are issued by GF Finance.
What property backs 949 SMITH ST SW, ATLANTA, GA?
The offering circular identifies the property as 949 SMITH ST SW, ATLANTA, GA 30310. The loan is a first lien. Loan-to-after-repair-value is disclosed as 48.7%.
What is the minimum investment for 949 SMITH ST SW, ATLANTA, GA?
The disclosed minimum is $10. Eligibility, availability, and the current status of this offering are determined by Groundfloor, not by AltStreet.
Is 949 SMITH ST SW, ATLANTA, GA still open to investors?
AltStreet's record shows the offering as active. AltStreet tracks this offering from SEC filings, last captured 2026-06-01. Offering status changes without a corresponding filing in many cases, so current availability should be confirmed directly with Groundfloor before acting.
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