Charlotte, NC · Multifamily Bridge & Permanent
Multifamily Bridge & Permanent in Charlotte
5+ unit deals need a broker who's closed them. We have.
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.
Multifamily Bridge & Permanent: Charlotte terms
Term
2-year bridge through 30-year permanent
Leverage
Up to 80% LTV (agency), 75% LTC (bridge)
Credit minimum
Sponsor experience-driven, 680+ typical
Close time
45–75 days
Qualification
Property NOI + sponsor track record
Ideal for
Small multifamily investors stepping up from 2–4 unit, syndicators raising capital who need a reliable debt quote, 1031 exchange buyers targeting multifamily, and bridge-to-perm rehab plays.
Common questions — Charlotte multifamily loans
Does 818 Capital offer multifamily loans in Charlotte?
Yes. 818 Capital Partners arranges Multifamily Bridge & Permanent for investor properties throughout Charlotte and the greater Mecklenburg County market. 5+ unit deals need a broker who's closed them. We have.
What are typical multifamily loan terms in Charlotte?
2-year bridge through 30-year permanent. Up to 80% LTV (agency), 75% LTC (bridge). Minimum credit score Sponsor experience-driven, 680+ typical. Typical close time: 45–75 days. Qualification: Property NOI + sponsor track record.
What Charlotte neighborhoods do you lend in?
We actively finance multifamily loans across East Charlotte, NoDa, Plaza Midwood, University, Fort Mill, and other submarkets of Mecklenburg County.
How fast can 818 Capital close a multifamily loan in Charlotte?
Our typical close time for a Multifamily Bridge & Permanent is 45–75 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.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Multifamily Bridge & Permanent 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.