Durham, NC · DSCR Rental Loans
DSCR Rental Loans in Durham
Qualify your rental on the property, not your tax returns. Close in 21 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.
DSCR Rental Loans: Durham 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 — Durham DSCR loans
Does 818 Capital offer DSCR loans in Durham?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout Durham and the greater Durham County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Durham?
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 Durham neighborhoods do you lend in?
We actively finance DSCR loans across East Durham, Old West Durham, Downtown Durham, Southpoint, Braggtown, and other submarkets of Durham County.
How fast can 818 Capital close a DSCR loan in Durham?
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 Durham
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.
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 Durham deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.