Hard Money Loans in Newton County GA — Fast, Flexible, Investor-Ready
Close quickly on distressed, outdated, tenant-occupied, or inherited properties. We focus on the deal’s economics and exit, not your personal DTI.
Hard Money Loans in Newton County Georgia
Move fast on value-add deals in Covington, Oxford, Porterdale, and Social Circle (Newton) with asset-based funding built for investors. CheapLOI.com delivers hard money loans that underwrite the property and plan—not your W-2s—so you can beat bank timelines and cash competitors.
- Same-day soft approvals
- Close in 7–10 days with Georgia-savvy attorneys
- Up to 100% rehab (with sufficient equity/ARV)
Interest-only payments to preserve cash flow
PROGRAM OVERVIEW
Feature | CheapLOI.com Hard Money |
Loan Amount | $75,000 – $3,500,000 |
Leverage | Up to 90% purchase + up to 100% rehab |
Max ARV | Up to 70–75% After-Repair Value |
Term | 6–18 months (extensions available) |
Payments | Interest-only |
Credit | 600+ preferred (flexible with strong equity) |
Close Time | 7–10 days typical |
Docs | No tax returns / W-2s |
Eligible Properties: SFR, 2–4 units, small MF, condo-eligible flips, STR-permitted assets.
Not Eligible: Owner-occupied primary residences (business-purpose only).
Why Investors Choose CheapLOI.com
- Experience: CheapLOI.com has funded 1,000+ real estate investment projects across Georgia.
- Expertise: Asset-based underwriting and investor-friendly draw management.
- Authoritativeness: Georgia title/closing fluency; clear, transparent term sheets.
- Trust: Licensed loan officers, privacy-first intake, compliant advertising and disclosures.
Property Types Eligible
We Look At:
- Equity and deal strength
- Scope & budget realism
- Exit plan (sale or DSCR refi)
We Don’t Require:
- Tax returns
- W-2s / personal DTI
- Bank statements
Rehab Draws — Fast & Predictable
- Milestones (demo → rough-ins → drywall/paint → finishes → punch list)
- Photos + invoices accelerate approvals
- Typical wire release 24–48 hours after inspection
How It Work
Submit Your Deal
Upload contract, budget, photos/links.
Same-Day Term Sheet
Transparent pricing, leverage, and draw schedule.
Close & Draw
We coordinate with Georgia-experienced closing attorneys. Milestone inspections → fast wires so subs stay on site.
Banks vs. Private Loans
Approvals in days
Close in 7 - 10 days
Distressed property support
Investor-friendly Underwriting
Rehab financing included
No Income Docs Required
Local Market Advantage — Newton County, GA
Newton County’s Covington Square district, film-production footprint, and I-20 access create steady buyer/renter demand. Investor activity clusters around:
- Entry-level SFR near schools/employers
- Infill opportunities around Historic Covington and Oxford
- Workforce rentals along I-20 corridors and industrial nodes
- Light-to-moderate rehabs where days-on-market remain competitive
We understand city permitting cadence, occasional historic-district design notes, and inspection timing that affect flip schedules and refinance windows.
FAQs
Most hard money loans close in 7–10 business days with same-day soft terms.
No. Our underwriting is asset-based; we do not require tax returns or W-2 income documents.
Single-family, 2–4 units, small multifamily, and select condos/STR-permitted assets. Owner-occupied primary residences are not eligible.
Yes, up to 100% of rehab may be funded with sufficient equity and ARV support.
Ready to fund your next deal in Newton County?
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 Newton County and throughout Georgia.