Hard Money Loans in Walton County Georgia
Local, investor-focused hard money—built for speed.
CheapLOI.com funds fix & flip, acquisitions, cash-out refi, and bridge plays across Monroe, Loganville, Social Circle, Walnut Grove, Good Hope, and Between. We underwrite the asset, ARV, and exit, not your tax returns.
What is a Hard Money Loan?
A short-term, asset-based loan used to buy, improve, or stabilize an investment property—then sell or refinance into DSCR or permanent financing.
Where hard money wins in Walton County
- Competitive offers on time-sensitive deals (auction/off-market)
- Light–moderate rehab to unlock ARV and buyer demand
- Cash-out for the next acquisition or project
- Seasoning on rents for DSCR takeout
PROGRAM OVERVIEW
Feature | Typical Range* |
Loan Amount | $100k – $5MM+ |
Leverage | Up to 75% as-is (ARV influence case-by-case) |
Term | 6–18 months (extensions available) |
Rate/Structure | Interest-only; priced to deal strength |
Use of Funds | Purchase, refi, cash-out, rehab, bridge |
Property Types | 1–4 unit investment, SFR portfolios, small MF, mixed-use, selected commercial |
Rehab | Light–moderate with milestone draws |
Entity | LLC/Entity preferred |
Close Speed | 7–21 days with clear title & valuation |
How to Qualify
- Property address, photos, as-is value & ARV comps
- Purchase contract (or payoff for refi)
- Rehab scope & budget (if applicable)
- Clear exit plan (sale, DSCR, or bank permanent)
- Basic sponsor bio (experience helps, not required)
Eligible Properties & Scenarios
- Fix & Flip: Cosmetic to moderate rehabs that improve ARV
- BRRRR/DSCR Prep: Stabilize rents, then refi into DSCR
- Portfolio Plays: Blanket loans or sequential deals
- Mixed-Use/Small Commercial: Case-by-case when value-add is clear
- New Build (Ground-Up): Considered via separate program (cross-link your construction page)
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
Terms tailored to your project
No Income Docs Required
Local Market Insight Walton County (H2)
Walton County blends metro-east Atlanta demand with small-town appeal, attracting investors to Monroe’s downtown renewal and ranch-to-modern flips, Loganville’s strong retail and school-driven growth, and Social Circle’s historic homes and new-build infill. Corridors near US-78 and GA-138/81 draw steady commuter buyers, supported by nearby growth hubs like Atlanta, Augusta, Savannah, Columbus, Macon, Athens, Sandy Springs, Roswell, Albany, and Johns Creek. Serving real estate investors across Georgia — trusted from Atlanta to Savannah.
FAQs
With a complete file and clear title, many deals close in 7–21 days.
No. We’re asset-based and focus on the collateral, ARV, budget, and exit plan.
Yes. Light–moderate rehab is often included with milestone draws.
Ready to Get Funding?
Get a same-day quote with fast funding and flexible draw schedules designed to keep your project moving without delays.