Chapter 7 wreaks havoc on your Credit Score. However, depending on the details of why you filed Chapter 7, a Private lender may see their way clear to make a loan to you. You mention "Invest". Are you referring to buy a home to live in or are you looking for an Investment property to Rent or Flip? That makes a considerable difference in the kind of funding you're seeking.
If you are looking for a Residential Home Mortgage, Private Money is still out there but they must be licensed in the State of Georgia to make Home Loans. If your looking for Investment Money, otherwise called Hard Money, it's easier to get but for short periods of time. Here's the difference.
Private Lenders, licensed to issue Home Mortgages will require a larger down payment than Conventional Lenders and their Interest Rates will be much higher. That's the down side.
The "up side" is that they will not base their decisions on you Credit Score, which after a Chapter 7 must be in the tank. The will pull your Credit Score but only to make sure you haven't gambled you money away in Las Vegas or drank it up in the neighborhood Pub. If you Score is due to the consequences of the past 4 years of financial disaster or the fact that you're Self Employed and most Loan Officers don't know how to read a tax return beyond the bottom line of the 1040, they will take that into consideration.
They will consider your Income and Assets to enable you to repay the loan. The last thing they want is to abet you in getting into a financial situation that you can't afford to pay back.
They will look at the Appraised Value of the property, verses the selling price. That, along with the larger down payment will give them an idea of the approximate equity in the property. This is important to them because, in the event you have to default on the Mortgage, they need to make sure they can recover their investment.
They will loan for a shorter period of time than a Conventional Lender , usually 12 years, and most do not include a Pre-Payment Penalty clause in there Contracts. They full well realize that you will want to refinance as soon as possible to a more economical rates of Conventional Financing.
Now, what's in it for you? They will lend when other Lenders won't touch you for 2 to 3 years. You can purchase now when the Market Values are (hopefully) the lowest. Appreciation is a great way to create equity in a property. Waiting 3 to 4 years may find that you paying considerably more for a comparable property than you would if you bought it today.They will not put through the hoops that Conventional Lenders will and they will Close more quickly than any Conventional Lender that I have encountered.
Hard Money Lenders which is what you will need for purchasing an Investment Property, are intended for short term loans at high interest rates for the use of Investers. Most Hard Money Lenders limit their loans to 6 to 18 months. That is to accommodate Investors that are in the business of re-habbing distressed homes and reselling them. They are there if you have a property that is free and clear but needs considerable re-hab. They are there if you run into unexpected difficulties that demand immediate capital but you can recover it in a relitively short period of time.
I know that I get long winded at times but your question doesn't indicate what you mean by "Invest" and I think it is important that a buyer goes into a transaction with all the facts and options available to him. Your question also doesn't indicate whether you have any experience in Home or Investment purchases. I apologize if I have told you things you already know but better to be sure than sorry later.
As to a Private Lender that I can recommend to you from personal experience, this one deals is licensed to issure Home Mortgages in the State of Georgia as well as Hard money in Georgia and many other States as well. Their contact information is:
The Westmoore Group, LLC
Ph: (646) 801-6190
Fx: (646) 619-4291
The Westmoore Group, LLC is a licensed lender in the State of Georgia and operates under the license #30544.
Give them a call and explain all the particulars of you circumstance and see if they can helpl
Good Luck !