Charlotte, NC · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Charlotte
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: Charlotte terms
Term
30-year fixed, 10-year I/O, 5/1 ARM
Leverage
Up to 75% LTV purchase
Credit minimum
680
Close time
25–35 days
Qualification
STR DSCR ≥ 1.0 on AirDNA or verified operating history
Ideal for
STR investors tired of lenders using LTR rent comps that kill the deal, Airbnb hosts buying their 2nd–10th property, investors in regulated STR markets (Nashville, Austin, Orlando) who need a lender that understands the rule set.
Common questions — Charlotte STR loans
Does 818 Capital offer STR loans in Charlotte?
Yes. 818 Capital Partners arranges Short-Term Rental (STR) Loans for investor properties throughout Charlotte and the greater Mecklenburg County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Charlotte?
30-year fixed, 10-year I/O, 5/1 ARM. Up to 75% LTV purchase. Minimum credit score 680. Typical close time: 25–35 days. Qualification: STR DSCR ≥ 1.0 on AirDNA or verified operating history.
What Charlotte neighborhoods do you lend in?
We actively finance STR loans across East Charlotte, NoDa, Plaza Midwood, University, Fort Mill, and other submarkets of Mecklenburg County.
How fast can 818 Capital close a STR loan in Charlotte?
Our typical close time for a Short-Term Rental (STR) Loans is 25–35 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.
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.
Short-Term Rental (STR) 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.