Funded$195,000Fix & FlipPensacola, FLFunded$203,000Fix & FlipBurleson, TXFunded$230,787Fix & FlipFort Worth, TXFunded$525,000Fix & FlipWashington, DCFunded$415,000Fix & FlipSilver Spring, MDFunded$490,000Fix & FlipWashington, DCFunded$720,000DSCR Cash-OutSt. Petersburg, FLFunded$385,000DSCR Cash-OutPigeon Forge, TNFunded$445,000DSCR Cash-OutNashville, TNFunded$3,150,000Multifamily AcquisitionFort Myers, FLFunded$978,000CommercialWhite Settlement, TXFunded$2,750,000Multifamily BridgeSilver Spring, MDFunded$957,900Fix & FlipEast Meadow, NYFunded$1,065,750Fix & FlipWashington, DCFunded$135,000DSCRCleveland, OHFunded$340,000DSCR R&TSandpoint, IDFunded$185,000DSCR Cash-OutSeneca Falls, NYFunded$560,000DSCR PurchaseGarfield, NJFunded$225,000DSCR PurchaseSeneca Falls, NYFunded$116,000DSCR R&TGrandview, MOFunded$195,000DSCR Cash-OutTulsa, OKFunded$425,000DSCR PurchaseWoodstock, NYFunded$390,000DSCR PurchaseWoodstock, NYFunded$285,000DSCR Cash-Out IOLawrenceville, GAFunded$275,000DSCRAlbuquerque, NMFunded$175,000DSCRLos Fresnos, TXFunded$1,150,000DSCROakland, CAFunded$365,000DSCRPortland, MEFunded$395,000DSCRLinden, NJFunded$825,000DSCR PurchaseSyosset, NYFunded$1,017,700Fix & FlipWashington, DCFunded$432,000Fix & FlipFalls Church, VAFunded$385,000Fix & FlipWashington, DCFunded$111,200Commercial BridgeCleveland, OHFunded$1,456,500Fix & FlipColleyville, TXFunded$759,750DSCR R&TSedona, AZ
(917) 993-9194

Where We Lend · North Carolina

Investment Property Loans in North Carolina

North Carolina's landlord-friendly eviction laws and steady population inflow keep DSCRs healthy in Charlotte, the Triangle, and Triad. We bundle fix & flip into DSCR refi exits so you're not scrambling at month 9.

Submit a North Carolina ScenarioCall (917) 993-9194

North Carolina markets we cover

Charlotte

Mecklenburg County

Typical investor price: $280K – $540K

Rent band: $1,700 – $2,600 per unit

Submarkets: East Charlotte, NoDa, Plaza Midwood, University, Fort Mill

Durham

Durham County

Typical investor price: $280K – $560K

Rent band: $1,500 – $2,400 per unit

Submarkets: East Durham, Old West Durham, Downtown Durham, Southpoint, Braggtown

Cary

Wake County

Typical investor price: $420K – $850K

Rent band: $1,900 – $3,000 per unit

Submarkets: Downtown Cary, Preston, Lochmere, West Cary, Morrisville edge

More North Carolina locations from our deal history

Explore property-specific financing considerations and document checklists. Locations include reviewed scenarios; funded examples are identified on the individual pages.

Aberdeen →Cove City →Greenville →Monroe →

Loan programs available across North Carolina

DSCR Rental Loans →

30-year fixed. No personal DTI. Closes on property cash flow.

Term30-year fixed, 5/1 and 7/1 ARM, interest-only availableLeverageUp to 80% LTV purchase, 75% LTV refiCredit660 (best pricing at 720+)Close21–30 days
Charlotte →Durham →Cary →

Fix & Flip Loans →

Up to 90% LTC. 75% ARV. 12-month terms.

Term6–18 month terms, interest-onlyLeverageUp to 90% LTC, 75% ARVCredit660Close10–21 days
Charlotte →Durham →Cary →

Short-Term Rental (STR) Loans →

Underwritten on AirDNA revenue, not LTR shadow rents.

Term30-year fixed, 10-year I/O, 5/1 ARMLeverageUp to 75% LTV purchaseCredit680Close25–35 days
Charlotte →Durham →Cary →

Apartment & Multifamily Loans →

5+ unit apartment buildings. Bridge, value-add, and long-term.

Term2-year bridge through 30-year permanentLeverageUp to 80% LTV (agency), 80% LTC (bridge)CreditSponsor experience-driven, 680+ typicalClose45–75 days
Charlotte →Durham →Cary →

Bridge Loans →

Fast, flexible capital for time-sensitive acquisitions.

Term6–24 month terms, interest-onlyLeverageUp to 75% LTV, 80% LTC on value-addCredit660Close10–21 days
Charlotte →Durham →Cary →

Ground-Up Construction Loans →

Fund the build. Refinance into a DSCR on stabilization.

Term12–24 month construction, converts to 30-year DSCRLeverageUp to 85% LTC, 70% LTV on completionCredit680Close30–45 days
Charlotte →Durham →Cary →

Ready to close your North Carolina deal?

Submit a scenario. Real term sheet within 24 hours.

Submit ScenarioCall (917) 993-9194
CallApply Now