Fast Hard Money Loans for Real Estate Investors in Bibb County, Georgia
CheapLOI.com funds deals banks reject — fast, asset-based, no income docs. Close in 5–7 business days. Up to 85% LTC + rehab financing. Interest-only payments. No tax returns or W-2s required
What Are Hard Money Loans?
Hard Money Loans are short-term loans based on property value — not income or credit. Ideal for investors needing fast closings, including:
- Fix and flip deals
- Distressed / auction / off-market properties
- Bridge financing
- Ground-up construction
Why Investors Choose CheapLOI.com
✅ We underwrite the asset, not tax returns
✅ We close in days — not months
✅ Flexible terms, no seasoning requirements
✅ We fund first-time and repeat investors
Property Types Eligible
- Single-family investment properties
- Multifamily
- Mixed-use
- Land and infill development
Loan Program Summary
✅ Loan Amounts: $100,000 – $7M
✅ Up to 85% LTC / up to 70% ARV
✅ Draw funding available for rehab
✅ 6–18 month terms
✅ No prepayment penalty after 3 months
How Hard Money Loans Work (Step-by-Step)
Submit Your Deal
Same-Day Term Sheet
Closing in 5–7 Days
Rehab/renovation draws
Banks vs Hard Money Loans
closes in 5–7 days
Fund distressed and heavy rehab
Funds based on asset value
Bibb County Market Insight
There is strong flip demand near Mercer University, where consistent student and local housing needs support quick resale activity. Investor activity is also increasing throughout the Downtown Macon redevelopment zones as revitalization continues to reshape the area. Additionally, rental demand remains high around nearby hospitals and universities, creating steady opportunities for income-producing properties.
FAQs
No. We underwrite based on the asset, not tax returns.
We close most hard money loans in 5–7 business days.
Yes. We specialize in distressed assets and off-market deals.
Ready to Get Funding?
Apply now for fast approval.
Speak to a local Georgia lending expert today: (800) 664-7505