Durham, NC · Fix & Flip Loans
Fix & Flip Loans in Durham
Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 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.
Fix & Flip Loans: Durham terms
Term
6–18 month terms, interest-only
Leverage
Up to 90% LTC, 75% ARV
Credit minimum
660
Close time
10–21 days
Qualification
ARV and scope-of-work; liquidity ≥ 10% of loan
Ideal for
Active flippers running 1–10 projects a year, new flippers with one successful deal under their belt, investors rehabbing to refi into a DSCR (we pre-approve the exit), and BRRRR investors stacking flips into rentals.
Common questions — Durham fix & flip loans
Does 818 Capital offer fix & flip loans in Durham?
Yes. 818 Capital Partners is a direct private lender originating Fix & Flip Loans for investor properties throughout Durham and the greater Durham County market. Fund the purchase and rehab in one loan. 90% LTC, 75% ARV, close in 10–21 days.
What are typical fix & flip loan terms in Durham?
6–18 month terms, interest-only. Up to 90% LTC, 75% ARV. Minimum credit score 660. Typical close time: 10–21 days. Qualification: ARV and scope-of-work; liquidity ≥ 10% of loan.
What Durham neighborhoods do you lend in?
We actively finance fix & flip loans across East Durham, Old West Durham, Downtown Durham, Southpoint, Braggtown, and other submarkets of Durham County.
How fast can 818 Capital close a fix & flip loan in Durham?
Our typical close time for a Fix & Flip 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.
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.
Fix & Flip 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.