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 Scenario Call (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

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), 75% 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 Scenario Call (917) 993-9194