Hard Money Loans in Pickens County Georgia
We issue same-day LOIs with up to 90% of the purchase price and 100% of the rehab budget, all with no income documentation required—fully asset-based approvals built for investors who need speed and execution.
Why Investors Choose CheapLOI.com
CheapLOI.com has funded 1,000+ Georgia investment projects—from flips and BRRRR to bridge and construction—with deep knowledge of Pickens County’s submarkets, permit cadence, and resale patterns around Jasper’s courthouse square and commuter corridors. We’re fully asset-based, underwriting the property, scope, budget, and ARV rather than W-2s, and we offer contractor-friendly draws released in 48–72 hours through photo or third-party inspections. Our terms are transparent, ADA-friendly, and FTC-compliant, backed by local intel in investor-dense ZIPs 30143, 30175, and 30177, including seasonal timing for roofing and exterior work.
PROGRAM OVERVIEW
Feature | CheapLOI.com Hard Money (Pickens County) |
Loan Amounts | $100,000 – $5,000,000+ |
Leverage | Up to 90% purchase & up to 100% rehab |
Max ARV | Typically up to 75% of ARV |
Rates | Market-based (~9.25%–12.99%+), interest-only |
Term | 6–18 months (+ optional extension) |
Entity | LLC/entity preferred |
Credit | Flexible (≈600+ recommended) |
Closing Speed | 3–10 business days with complete file |
Draws | Milestone draws; 48–72 hr typical after verification |
Exit | Sell or refi to DSCR rental |
How to Qualify
We Focus on the Deal
- Property address & executed contract
- Line-item rehab budget (labor & materials)
- ARV comps or CMA
- Exit plan (sell or refi to DSCR)
Eligible Property Types
- Single-family (1–4 units)
- Condos & townhomes
- Small multifamily (5–20+ units, case-by-case)
- Mixed-use/light commercial (select)
- Distressed/dated homes, estate/probate, auction, wholesaler assignments
How It Work
Submit Your Deal
Same-Day Term Sheet
Closing in 5–7 Days
Banks vs. Private Loans
Approvals in days
Distressed property support
Underwriting
Rehab financing included
No Income Docs Required
Local Market Insight Pickens County
Investors choose Pickens County for its lower acquisition costs, strong resale demand around Jasper, and steady buyer activity from Atlanta commuters and weekenders. We know the local nuances—permit cadence, septic vs. sewer timelines, perc tests, and seasonal exterior buffers—and price strategically near the Pickens County Courthouse and downtown Jasper. Serving investors across Georgia, including Atlanta, Augusta, Savannah, Columbus, Macon, Athens, Sandy Springs, Roswell, Albany, and Johns Creek.
FAQs
Up to 90% of purchase and up to 100% of rehab, capped by ~75% ARV (case-by-case).
With a complete file and clear title, many loans close in 3–10 business days.
Yes. A clear scope, credible comps, and a reliable GC help.
Ready to Get Funding?
Get a same-day quote with fast funding and flexible draw schedules designed to keep your project moving without delays.