Hard Money Loans in Long County Georgia
CheapLOI.com provides fast, asset-based hard money loans tailored for real estate investors in Long County, Georgia. Whether you’re flipping a distressed property, acquiring a rental, refinancing, or needing quick cash for a time-sensitive opportunity, our private lending platform delivers speed, flexibility, and simple approvals.
What Is a Hard Money Loan?
A hard money loan is a short-term, asset-based real estate loan designed for investors who need to move fast. Unlike banks, we lend based on the value of the property, the project potential, and your exit strategy—not your income, tax returns, or credit score.
Investors use hard money loans in Long County for:
- Fix and flip projects
- Rental acquisitions
- BRRRR strategies
- Cash-out refinances
- Land or rural properties banks won’t finance
- Distressed or off-market deals
- Fast closings to beat competing offers
Hard Money Loan Requirements
We require:
- LLC
- Purchase contract or property address
- Photos or inspection report
- Rehab budget (for flips)
- Copy of ID
- Exit plan
We do not require:
- Tax return
- W-2s
- Personal DTI
Income verification
Property Types Eligible
- Single-family homes (occupied or vacant)
- Rural properties & mobile homes with land
- Fix and flip opportunities
- Condos & townhomes (including non-warrantable)
- Duplexes, triplexes, and quads
- Small multifamily (up to 30 units)
- Mixed-use
- Land (with strong exit plan)
Loan Program Summary
- Loan Amount: $75,000 – $7,500,000+
- LTV: Up to 75% As-Is / 90% Purchase
- Rehab Financing: Up to 100% of budget (if needed)
- Interest Rate: Starting at 10.25%
- Term Length: 6–18 months (extensions available)
- Closing Timeline: 5–10 business days
- Borrower Type: LLCs only
- Underwriting: Asset-based
Why Investors Choose Hard Money Loans in Long County
Long County is one of Southeast Georgia’s fastest-growing affordable markets, making it ideal for investors. Key reasons include:
Strong Demand Drivers
- Fort Stewart military population
- Workforce relocations from Hinesville
- Rapid absorption for renovated SFR properties
- Affordable entry prices for flips and rentals
- Increased demand for investor-ready housing
How It Work
Submit Your Deal
Same-Day Term Sheet
Underwriting
Close Fast
Rehab Draws
Banks vs. Private Loans
Close in 5–10 days
Asset-based approvals
We fund distressed, rural, and off-market properties
Fast rehab draws (24–72 hours)
No income documentation
Local Expertise in Long County’s Real Estate Market
CheapLOI.com understands Long County’s specific investment conditions, including weather patterns that can delay roofing, framing, and exterior work, as well as the additional septic, well, and survey verification often required for rural properties. Appraisal timelines may vary depending on proximity to Hinesville, and permitting typically moves faster for cosmetic rehabs than for structural changes. The area also benefits from strong rental and resale demand near Fort Stewart and Highway 84. Our underwriting and draw processes are built around these real local conditions, helping you stay on schedule and maximize project returns.
FAQs
A Georgia construction loan for investors is short-term financing used to cover the cost of building new real estate projects. These loans are commonly used by builders, developers, and investors looking to fund ground-up residential or commercial construction projects across Georgia.
Construction loans typically release funds in stages (called draws) based on construction milestones. In Georgia, private lenders assess the Loan-to-Cost (LTC) ratio, conduct inspections, and disburse funds as work progresses. Once the build is complete, the loan is usually refinanced or paid off through a sale.
To qualify, investors typically need:
– A detailed construction budget and scope of work
– Property plans and permits
– Builder’s experience or contractor license
– Down payment (usually 20%–30%)
– Exit strategy (sale or refinance)
Ready for Fast Funding?
Apply now for fast approval Or call: (800) 664-7505. We are Serving real estate investors across County and throughout Georgia.