Bridge Loans in Lumpkin County Georgia — Close Fast, Compete Strong
Same-day soft approvals. Close in 7–10 days. No tax returns or W-2s required. Asset-based decisions.
What Is a Bridge Loan?
A bridge loan is a short-term, interest-only loan that “bridges” the gap between purchase/refi and a permanent exit (sale, DSCR/Rental takeout, or cash-out). Perfect for:
- Time-sensitive acquisitions (competing with cash offers)
- Auction/wholesale opportunities
- Value-add plays before a DSCR refinance
- Delayed financing after a cash purchase
- Partner buyouts or estate/1031 timing
- Quick cash-out for renovations or deposits on your next deal
PROGRAM OVERVIEW
Feature | CheapLOI.com Bridge Loans |
Loan Amount | $100,000 – $5,000,000+ |
LTV / Leverage | Up to 75–80% of purchase price; cash-out based on as-is value |
Term | 6–18 months (extensions available) |
Amortization | Interest-only |
Close Time | As fast as 7–10 days |
Docs | No tax returns or W-2s |
Credit | 600+ (flexible for strong equity) |
Collateral | SFR, 2–4 units, small multifamily, mixed-use (case-by-case) |
Use of Proceeds | Purchase, refinance, cash-out, partner buyout |
Common Bridge Use Cases
- Dahlonega student rentals near University of North Georgia (high demand, strong refi exit)
- Short-term Airbnb/STR plays in compliant zones (verify local ordinances)
- Cabin and mountain home acquisitions with quick value-add improvements
- Portfolio cash-out to fund new deals during peak season
Land + structure mixed collateral (case-by-case)
How to Qualify
We evaluate:
- Equity and as-is value (and ARV when relevant)
- Exit strategy (sale, DSCR refi, cash-out)
- Borrower/entity experience (helpful, not required)
We don’t require:
- Tax returns, W-2s, bank statements
- Owner-occupancy
Perfect credit
Why Investors Trust CheapLOI.com
- Experience: CheapLOI.com has funded 1,000+ investment projects across Georgia.
- Expertise: Asset-based underwriting, investor-friendly terms, and Georgia legal/title fluency.
- Authoritativeness: Transparent program guides, privacy-first processes, and verifiable business presence.
- Trustworthiness: Clear fees, no bait-and-switch, compliant advertising. Reviews available upon request.
How It Work
Submit Your Deal
Same-Day Term Sheet
Close & Execute the Exit
Banks vs. Private Loans
Approvals in days
Distressed property support
Flexible Draws
Closing in 7 - 10 days
No Income Docs Required
Compliance & Accessibility
All financing provided is strictly for business-purpose real estate investments and cannot be used for owner-occupied primary residences. Our processes follow FTC, CCPA, and CPRA guidelines with clear disclosures, privacy-first intake, and strict data-minimization practices. All marketing and program descriptions are fully Google Ads compliant, avoiding misleading claims and using only representative examples. We also maintain ADA-friendly standards through plain-language headings, high-contrast CTAs, and descriptive link text to ensure accessible, inclusive communication.
FAQs
Most bridge loans close in 7–10 business days with same-day soft terms.
No. Our bridge loans are asset-based; we do not require tax returns or W-2 income documents.
Single-family, 2–4 units, small multifamily, and select mixed-use on a case-by-case basis. Owner-occupied primary residences are not eligible.
Sale after value-add improvements, DSCR takeout refinance, or cash-out refinance once stabilized.
Ready to move fast on a Lumpkin County deal?
Get same-day terms and close in as little as 7–10 days. Apply now for fast approval Or call: (800) 664-7505. We are Serving real estate investors across County and throughout Georgia.