Ground-Up Construction Loans in Lumpkin County GA
Same-day soft terms, 7–10 day closings, milestone-based draws. We underwrite the project and exit, not your W-2s.
Construction Loans Ground Up in Lumpkin County Georgia
Build new homes and small developments in Dahlonega, Auraria, Murrayville (30533, 30534, 30564) with a lender that understands Georgia investors. CheapLOI.com funds ground-up construction based on the asset and scope—not your tax returns.
- Close in 7–10 days
- Flexible draw schedules matched to milestones
- No income docs (business-purpose lending)
- Experienced with North Georgia permitting, inspections, and rural title nuances
PROGRAM OVERVIEW
Feature | CheapLOI.com Construction Loans |
Loan Amount | $150,000 – $7,500,000+ |
Leverage | Up to 85% LTC (cost) |
Max ARV | Up to 70–75% of completed value |
Term | 12–24 months (extensions available) |
Interest | Interest-only during build |
Draws | Milestone-based; fast inspections & wires |
Close Time | 7–10 days typical |
Docs | No tax returns/W-2s |
Borrowers | Investors, Builders, LLCs, Corps |
Experience | Preferred, not required (strong GC/plan helps) |
What We Finance
- Single-family new builds (SFR)
- Duplex/Triplex/Quadplex
- Small infill townhomes & build-to-rent (BTR)
- Tear-down + rebuild (where approved)
- Land + vertical construction (with plans/budget)
Property Types Eligible
We focus on:
- Scope of work & budget (clear line items)
- Build timeline with realistic inspections
- Exit plan (sale or DSCR/rental take-out)
- Site readiness (utilities, access, surveys)
You’ll provide:
- Plans/renderings (if available)
- Detailed construction budget + draw schedule
- Land status (owned/free & clear or purchase contract)
Why Georgia Builders Choose CheapLOI.com
- Experience: CheapLOI.com has funded 1,000+ real estate investment projects across Georgia
- Expertise: Asset-based construction underwriting, investor-oriented draw management
- Authoritativeness: Georgia title/closing fluency, private lender best practices
- Trust: Transparent pricing, privacy-first intake, licensed loan officers, clear terms
How It Work
Submit Your Build
Term Sheet & Close
Draws & Project Completion
Banks vs. Private Loans
Close in 7–10 days
Distressed property support
Same-day soft terms
No Income Docs Required
Local Market Insight
Dahlonega benefits from the University of North Georgia, strong tourism, and its location in Georgia Wine Country, creating demand for starter homes, cabins, and BTR projects. We understand the county’s permitting and inspection process, well and septic requirements on rural parcels, and how seasonal weather affects slab and roofing timelines. Rural properties often involve title items such as easements and private road access, and local landmarks like the Dahlonega Gold Museum and the historic square help strengthen buyer demand and resale narratives.
FAQs
Most construction loans close in 7–10 business days with same-day soft terms.
No. Our underwriting is asset- and project-based; we do not require tax returns or W-2s.
Single-family new builds, small multifamily (2–4 units), infill townhomes, and build-to-rent projects. Owner-occupied primary residences are not eligible.
We fund milestone-based draws after quick inspections, wiring funds promptly to keep trades moving.
Ready to break ground in Lumpkin County?
Get same-day terms and a draw schedule that keeps your project moving. Apply now for fast approval Or call: (800) 664-7505. We are Serving real estate investors across County and throughout Georgia.