Construction Loans Ground Up in Lumpkin County Georgia
Fund your new construction project faster than banks allow, including cabins, single-family homes, build-to-rent, and Airbnb developments in Dahlonega and all of Lumpkin County.
Why Georgia Investors Choose Us
Unlike banks, we do not require:
- Personal income tax returns
- Debt-to-income verification
- Multiple committee review stages
We evaluate:
- The project
- The ARV (After Repair Value)
- Your exit strategy
Local Expertise
We understand:
- STR zoning + permit requirements
- Mountain grading / geological site prep costs
- Tourism-driven occupancy & cash flow models
- Seasonal weather build delays
Property Types Eligible
We fund:
- Single-family spec homes
- Build-to-rent communities
- Townhomes / duplex / triplex (2–4 units)
- Short-term rental Airbnb cabins
- Small mixed-use commercial with residential units
Lumpkin County has explosive Airbnb & STR growth — we fund those projects.
Program Overview
Our Lumpkin County ground-up construction loan program offers fast, flexible financing for land acquisition and new builds, including cabins, single-family homes, spec houses, build-to-rent projects, and Airbnb developments. We provide up to 85% LTC, up to 70% ARV leverage, interest-only payments, and quick closings in 10–14 business days — all without tax returns, income verification, or bank delays. Whether you’re building in Dahlonega, along the North Georgia Wine Trail, or in emerging STR zones, our program gives investors the speed and certainty needed to break ground and complete projects profitably.
Key Highlights Of Our Program
Fast — close in 10–14 days
Flexible draw schedules
We fund STR / Airbnb
Land + vertical funding
Our 4-Step Process to Funding Your Loans
Deal Submission
Send photos + cost updates through our mobile portal.
Fast Draw Funding
Funds released in 24–48 hours after inspection.
Initial Release
Funds released for land payoff or site work.
Construction & Draws
Funds released by phase; we monitor progress, you proceed with construction; exit triggers payoff.
Benefits vs Traditional Banks
Fast decision & funding (days to weeks)
Ideal for distressed or non-traditional properties
Rehab / construction draws available
Flexible underwriting focused on deal merits
Less emphasis on personal income & credit score
Our Experience in Georgia & Lumpkin County
With over 1,000 ground-up construction and investment projects funded across Georgia, our team understands the unique demands of building in Lumpkin County—especially in high-growth areas like Dahlonega, the North Georgia Wine Trail, and STR-dense mountain zones. We know the local permitting process, STR regulations, grading challenges, and investor timelines, allowing us to underwrite quickly and fund projects that banks delay or decline. From Airbnb cabin builds to spec homes and build-to-rent communities, investors trust us because we deliver speed, expertise, and construction-focused lending built around real-world investor needs.
Yes, we can pay off land and fund vertical construction.
Preferred but not required — deal strength matters most.
Absolutely. Lumpkin County is a top STR revenue market.
Ready to Fund Your Project in Lumpkin County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Lumpkin County and investor markets inside out.