Charlotte, NC · Bridge Loans
Bridge Loans in Charlotte
Move fast when the deal demands it. Bridge in 10 days.
Why Charlotte investors choose 818
Charlotte investor activity is split between East and North Charlotte SFR rehabs, Fort Mill build-to-rent, and multifamily value-add near the University area. NC's landlord-friendly eviction laws and steady population inflow keep DSCRs healthy.
Our edge here: Fix & flip + DSCR refi bundled — we pre-approve the exit strategy so you're not scrambling at month 9.
Bridge Loans: Charlotte terms
Term
6–24 month terms, interest-only
Leverage
Up to 75% LTV, 80% LTC on value-add
Credit minimum
660
Close time
10–21 days
Qualification
Asset-based underwriting + exit strategy
Ideal for
Auction buyers, 1031 investors on a clock, value-add sponsors needing to close before starting the business plan, and investors whose equity is tied up in a pending sale.
Program details that apply in every market: Bridge Loans — national program page
Common questions — Charlotte bridge loans
Does 818 Capital offer bridge loans in Charlotte?
Yes. 818 Capital Partners is a direct private lender originating Bridge Loans for investor properties throughout Charlotte and the greater Mecklenburg County market. Move fast when the deal demands it. Bridge in 10 days.
What are typical bridge loan terms in Charlotte?
6–24 month terms, interest-only. Up to 75% LTV, 80% LTC on value-add. Minimum credit score 660. Typical close time: 10–21 days. Qualification: Asset-based underwriting + exit strategy.
What Charlotte neighborhoods do you lend in?
We actively finance bridge loans across East Charlotte, NoDa, Plaza Midwood, University, Fort Mill, and other submarkets of Mecklenburg County.
How fast can 818 Capital close a bridge loan in Charlotte?
Our typical close time for a Bridge Loans is 10–21 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Charlotte
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Bridge Loans in other markets
Ready to close your Charlotte deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.