Hard Money Loans in DeKalb County Georgia
CheapLOI.com is a Georgia-based private lender providing asset-based hard money loans for real estate investors who need speed and certainty—not bank red tape. We serve both new and experienced investors throughout DeKalb County with same-day quotes, minimal documentation, and local market expertise.
Hard Money Loan Program Overview — DeKalb County, GA
Our Hard Money Loans in DeKalb County Georgia are built for investors who need reliable, short-term capital to purchase, renovate, or stabilize investment properties. Instead of focusing on personal tax returns or traditional income documentation, we underwrite primarily to property value, exit strategy, and overall deal strength.
Whether you’re:
- Flipping a distressed property in Decatur or Stone Mountain
- Acquiring a rental near MARTA transit zones
- Executing a value-add strategy in Brookhaven or Tucker
Investor-Focused Terms
Our DeKalb County hard money program is designed specifically for real estate investors who need speed, flexibility, and certainty. We issue same-day term sheets, and most deals close in as little as 5–10 business days. There are no tax returns or W-2 income documents required, since approvals are based on LTC, ARV, and overall deal strength—not debt-to-income ratios. All loans feature interest-only payments, giving investors maximum cash-flow efficiency during the project.
Ideal Borrower Profiles
- Fix & flip investors
- BRRRR investors (buy, rehab, rent, refinance, repeat)
- Small to mid-size portfolio landlords
- Wholesalers looking to close and resell
- Contractors and builders stepping into investment projects
LLCs, entities, and experienced investors who want speed over paperwork
Property Types Eligible
- Single-family homes (1–4 units)
- Townhomes and condominiums
- Small multifamily (5–20 units)
- Light mixed-use properties
- Distressed, vacant, or underperforming properties
- Properties needing heavy rehab or repositioning
Sample Program Snapshot
- Purchase Funding: Up to 85% LTC
- Rehab Financing (optional): 100% of budget, draw-based
- Max ARV Leverage: Up to 75% of After-Repair Value
- Loan Term: 3–12 months (fix & flip focused)
- Loan Size: $100,000 – $10,000,000+
- Closing Time: 5–10 business days
- Docs Required: Minimal — contract + deal overview + scope of work
How Loans Work
Submit Your Deal
Same-Day Term Sheet
Closing in 5–7 Days
Rehab Draws & Project Funding
Banks vs. Private Bridge Loans
Fast closings (5–10 business days)
Comfortable with distressed, value-add, and non-perfect properties
Designed specifically for investors, not owner-occupants
No tax returns or personal income docs required
Local Market Insight — DeKalb County Investor
We understand DeKalb County investor activity, including local permitting processes, inspection timelines, neighborhood-by-neighborhood risk patterns, and the ZIP codes with the strongest investor concentration. Our team is deeply familiar with the areas where fix-and-flip, BRRRR, and value-add opportunities are most active—allowing us to underwrite faster and more accurately than national lenders who lack local insight.
Most DeKalb County hard money loans can close in 5–10 business days, depending on appraisal and title readiness.
No. Our hard money loans are asset-based. We focus primarily on property value, leverage, and exit strategy—not personal tax returns or W-2 income.
We typically fund single-family homes, townhomes, condos, small multifamily, and light mixed-use properties that are non-owner occupied and investment-focused.
Ready to Get Funding?
Get a same-day quote with fast funding and flexible draw schedules designed to keep your project moving without delays.