Construction Loans Ground Up in Pickens County Georgia

CheapLOI.com provides Ground-Up Construction Loans for real estate investors and builders in Pickens County, Georgia. Close quickly with flexible draws, no income docs, and same-day term sheets.

Georgia ground-up construction loans for investors

Why Investors Choose CheapLOI.com

CheapLOI.com has funded 1,000+ investment projects across Georgia, bringing real on-the-ground experience with septic and soil testing, permitting timelines, and rural construction requirements. We offer fast funding with no income docs, up to 90% LTC or 70% ARV, and flexible draw schedules tied to inspection milestones—making our programs ideal for builders, developers, and investors who need speed and execution.

PROGRAM OVERVIEW

Feature

Ground Up Construction Loan

Loan Amount

$150,000 – $7,500,000+

Speed to Close

7–14 business days

LTC (Loan-to-Cost)

Up to 90% LTC

ARV (After Repair Value)

Up to 70% of ARV

Land Financing

✅ Allowed (with value or purchase contract)

Draws

Fast draws based on progress inspections

Docs Required

Scope of work + budget + entity docs

Interest Payments

Interest-only during construction

Eligible Properties

  • Single-family homes (1–4 units)
  • Spec home builds
  • Townhomes
  • Small multifamily (5–20 doors)
  • Build-to-Rent (BTR) communities
  • Residential lots / land + construction combined financing

How It Work

Step 1

Submit Your Deal

Step 2

Same-Day Term Sheet

Step 3

Underwriting

Step 4

Funding & Draws

Banks vs. Private Loans

Approvals in days

Septic builds / rural land

Builder experience required

Funding Draws

No Income Docs Required

Local Insight Pickens County Market

Pickens County is experiencing rapid growth driven by Atlanta overflow buyers seeking mountain and lake lifestyle homes, fast-selling spec builds in Jasper, Talking Rock, and Marble Hill, and strong build-to-rent demand along Hwy 515. Common construction challenges—like septic permits and soil tests, sloped lots with higher grading costs, and rural utility planning—are issues we already understand, and CheapLOI is uniquely positioned to handle them with septic-savvy underwriting, grading costs built into the SOW, and flexibility with non-traditional utility setups.

FAQs

Yes. We can finance both in one loan.

 Preferred but not required — we offer solutions for new builders.

 Draws are released after inspection milestones.

Ready to Get Funding?

Get a same-day quote with fast funding and flexible draw schedules designed to keep your project moving without delays.