Ground Up Construction Loans in Long County Georgia
Build with speed and confidence in Long County, Georgia. CheapLOI.com is a direct private lender specializing in ground-up construction financing for investors and developers across Southeast Georgia. We fund land + vertical construction, small and midsize residential builds, commercial development, build-to-rent communities, and mixed-use projects from Ludowici to Walthourville and the greater Fort Stewart region.
Why Long County Is a Strong Market for Construction Loan
Long County continues to grow rapidly thanks to its affordability, proximity to Fort Stewart, and expanding workforce population. Investors and developers choose Long County because:
- Strong rental demand from military families
- Affordable land for spec builds and small subdivisions
- High buyer activity from workforce and military relocations
- A pro-growth environment with fewer zoning roadblocks
- Expanding development west of Hinesville
- Fast absorption for new SFR and duplex inventory
From Highway 84 corridors to rural-zone build sites, Long County offers exceptional opportunities for ground-up projects that move quickly and resell competitively.
Why Investors Use Our Loans
Our Bridge Loan Solution is designed for investors who need fast access to capital. We offer quick closings in 5-7 days, even on properties that don't qualify for traditional bank financing. Whether you're looking to fund distressed or off-market deals, need rehab funds, or require 100% financing for renovations, we've got you covered. We can also help you tap into the equity tied up in another project, freeing up capital to deploy into new opportunities.
How to Qualify
We keep requirements simple and project-focused:
- LLC entity
- Plans & specs
- GC license (or builder résumé)
- Detailed budget
- Purchase contract or land ownership
Exit strategy (sale, DSCR refinance, BTR hold)
Property Types Eligible
- Spec homes
- Duplexes, triplexes, quads
- Build-to-rent (BTR) homes
- Small subdivisions
- Rural residential new construction
- Commercial ground-up projects
- Retail pads and small strip centers
- Light industrial constructio
- Mixed-use developments
- Build-to-suit tenant projects
Loan Program Summary
- Loan Size: $300,000 – $15,000,000+
- Loan-to-Cost (LTC): Up to 85%
- Loan-to-ARV: Up to 70%
- Construction Funding: 100% of approved budget (draw schedule)
- Rates: Starting from 10.25%
- Term: 12–24 months
- Time to Close: 10–15 business days
- Experience Requirement: Not required with licensed GC
- Exit Strategies: Sale, DSCR refinance, or long-term rental stabilization
How It Work
Submit Your Plans
Upload your budget, plans, survey, and GC bid.
Same-Day Term Sheet
Receive transparent pricing and terms within hours.
Underwriting Review
We evaluate the project’s value, budget, scope, and exit—not your income.
Close in 10–15 Business Days
Fast title, appraisal and document preparation.
Construction Draws Funded Fast
Milestone inspections verify completed phases.
Banks vs. Private Loans
Close in 10–15 days
Draws wired in 24–72 hours
We fund projects banks decline
Flexible on rural builds and land + construction
No personal income documentation
Local Lending Expertise in Long County, Georgia
CheapLOI.com understands the conditions and requirements specific to Long County, including permitting through Long County Planning & Zoning, soil conditions common in Southeast Georgia, and draw inspections aligned with foundation, framing, MEP, drywall, and certificate-of-occupancy milestones. We also account for coastal weather cycles that impact material availability and scheduling, as well as title, survey, septic, and well requirements for rural parcels. Having funded more than 1,000 real estate construction and investment projects across Georgia, we give developers access to fast closings and predictable draw schedules tailored to local conditions.
FAQs
Most deals close within 10–15 business days.
Yes — we combine both into a single construction facility.
No. A licensed general contractor is sufficient.
Typically within 24–72 hours after inspection.
$300,000.
Ready to Build in Long County?
Apply now for fast approval Or call: (800) 664-7505. We are Serving real estate investors across County and throughout Georgia.