Durham, NC · Bridge Loans
Bridge Loans in Durham
Move fast when the deal demands it. Bridge in 10 days.
Why Durham investors choose 818
Durham pairs Research Triangle employment with university-anchored rental demand from Duke and NCCU. East Durham and Old East Durham are active value-add corridors, downtown-adjacent infill keeps builders busy, and Southpoint draws the newer SFR rental cohort. Yields still pencil ahead of Raleigh, and NC's landlord-friendly framework keeps DSCRs resilient.
Our edge here: Infill construction with phase-draws against the GC contract, plus a DSCR exit pre-modeled at closing — built for Durham's value-add-to-rental pipeline.
Bridge Loans: Durham 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.
Common questions — Durham bridge loans
Does 818 Capital offer bridge loans in Durham?
Yes. 818 Capital Partners is a direct private lender originating Bridge Loans for investor properties throughout Durham and the greater Durham County market. Move fast when the deal demands it. Bridge in 10 days.
What are typical bridge loan terms in Durham?
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 Durham neighborhoods do you lend in?
We actively finance bridge loans across East Durham, Old West Durham, Downtown Durham, Southpoint, Braggtown, and other submarkets of Durham County.
How fast can 818 Capital close a bridge loan in Durham?
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 Durham
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 Durham deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.