Charlotte, NC · DSCR Rental Loans
DSCR Rental Loans in Charlotte
Qualify your rental on the property, not your tax returns. Close in 21 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.
DSCR Rental Loans: Charlotte terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Common questions — Charlotte DSCR loans
Does 818 Capital offer DSCR loans in Charlotte?
Yes. 818 Capital Partners arranges DSCR Rental Loans for investor properties throughout Charlotte and the greater Mecklenburg County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Charlotte?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What Charlotte neighborhoods do you lend in?
We actively finance DSCR loans across East Charlotte, NoDa, Plaza Midwood, University, Fort Mill, and other submarkets of Mecklenburg County.
How fast can 818 Capital close a DSCR loan in Charlotte?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Charlotte
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
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental 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.