Charlotte, NC · Ground-Up Construction Loans
Ground-Up Construction Loans in Charlotte
Fund land, build, and long-term refi in one seamless loan.
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.
Ground-Up Construction Loans: Charlotte terms
Term
12–24 month construction, converts to 30-year DSCR
Leverage
Up to 85% LTC, 70% LTV on completion
Credit minimum
680
Close time
30–45 days
Qualification
Pro-forma DSCR + sponsor build experience
Ideal for
Developers building 1–20 unit ground-up spec, BRRRR investors building instead of buying existing stock, and infill builders with approved permits.
Common questions — Charlotte construction loans
Does 818 Capital offer construction loans in Charlotte?
Yes. 818 Capital Partners arranges Ground-Up Construction Loans for investor properties throughout Charlotte and the greater Mecklenburg County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Charlotte?
12–24 month construction, converts to 30-year DSCR. Up to 85% LTC, 70% LTV on completion. Minimum credit score 680. Typical close time: 30–45 days. Qualification: Pro-forma DSCR + sponsor build experience.
What Charlotte neighborhoods do you lend in?
We actively finance construction loans across East Charlotte, NoDa, Plaza Midwood, University, Fort Mill, and other submarkets of Mecklenburg County.
How fast can 818 Capital close a construction loan in Charlotte?
Our typical close time for a Ground-Up Construction Loans is 30–45 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.
Multifamily Bridge & Permanent
5+ unit properties. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction 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.