Construction Loans Ground Up in Pickens County Georgia
CheapLOI.com provides Ground-Up Construction Loans for real estate investors and builders in Pickens County, Georgia. Close quickly with flexible draws, no income docs, and same-day term sheets.
Why Investors Choose CheapLOI.com
CheapLOI.com has funded 1,000+ investment projects across Georgia, bringing real on-the-ground experience with septic and soil testing, permitting timelines, and rural construction requirements. We offer fast funding with no income docs, up to 90% LTC or 70% ARV, and flexible draw schedules tied to inspection milestones—making our programs ideal for builders, developers, and investors who need speed and execution.
PROGRAM OVERVIEW
Feature | Ground Up Construction Loan |
Loan Amount | $150,000 – $7,500,000+ |
Speed to Close | 7–14 business days |
LTC (Loan-to-Cost) | Up to 90% LTC |
ARV (After Repair Value) | Up to 70% of ARV |
Land Financing | ✅ Allowed (with value or purchase contract) |
Draws | Fast draws based on progress inspections |
Docs Required | Scope of work + budget + entity docs |
Interest Payments | Interest-only during construction |
Eligible Properties
- Single-family homes (1–4 units)
- Spec home builds
- Townhomes
- Small multifamily (5–20 doors)
- Build-to-Rent (BTR) communities
- Residential lots / land + construction combined financing
How It Work
Submit Your Deal
Same-Day Term Sheet
Underwriting
Funding & Draws
Banks vs. Private Loans
Approvals in days
Septic builds / rural land
Builder experience required
Funding Draws
No Income Docs Required
Local Insight Pickens County Market
Pickens County is experiencing rapid growth driven by Atlanta overflow buyers seeking mountain and lake lifestyle homes, fast-selling spec builds in Jasper, Talking Rock, and Marble Hill, and strong build-to-rent demand along Hwy 515. Common construction challenges—like septic permits and soil tests, sloped lots with higher grading costs, and rural utility planning—are issues we already understand, and CheapLOI is uniquely positioned to handle them with septic-savvy underwriting, grading costs built into the SOW, and flexibility with non-traditional utility setups.
FAQs
Yes. We can finance both in one loan.
Preferred but not required — we offer solutions for new builders.
Draws are released after inspection milestones.
Ready to Get Funding?
Get a same-day quote with fast funding and flexible draw schedules designed to keep your project moving without delays.