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Investment property loans · NC

Hard money, fix and flip and DSCR loans in North Carolina

North Carolina's growing metros, Charlotte and the Triangle, draw investors buying rentals, renovating older houses and building new ones.

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Markets

Where we lend in North Carolina

Cities we lend in include Charlotte, Raleigh, Durham, Greensboro and Winston-Salem, and the towns around them.
CharlotteSingle-family rentals and flips across Mecklenburg County and its suburbs.
Raleigh, Durham and Chapel HillRentals near the universities and the research park, and infill builds closer in.
Greensboro and Winston-SalemLower prices than the two big metros, with steady demand for rentals.

North Carolina

Loans by city in North Carolina

Each city has its own page: the neighborhoods investors buy in, the housing and the local rules worth checking before an offer.

Loan programs

Loans for North Carolina real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in North Carolina

30-year loans for North Carolina rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in North Carolina

Buy and renovate in North Carolina with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in North Carolina

Close quickly on a North Carolina property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in North Carolina

Financing for new builds in North Carolina, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in North Carolina

Financing for North Carolina apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in North Carolina

Local things that change a deal's numbers or its closing date. Check them before you make an offer.
  • North Carolina closings are handled by attorneys. Bring yours in early so title and documents don't hold up the date.
  • Growth has pushed up prices in Charlotte and the Triangle. On a DSCR loan, check that the rent still covers the payment at today's price.

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Have a North Carolina property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in North Carolina: common questions

Do you offer hard money loans in North Carolina?

Yes. United Lending LLC offers private real estate financing for investors in North Carolina: short-term fix and flip and bridge loans sized on the deal, 30-year DSCR loans sized on the rent, and construction and multifamily financing quoted per deal. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you lend in North Carolina?

Yes. United Lending LLC offers business-purpose financing on investment property across North Carolina, including Charlotte, Raleigh, Durham and Greensboro. Tell us the property's address on the form and a loan officer will confirm the details on the first call.

Which loans can I get for a North Carolina property?

Fix and flip loans of up to 95% of the price and 100% of the rehab budget, and bridge loans up to 95% loan-to-cost, both on 12–18 months interest-only terms. DSCR rental loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, up to 85% loan-to-value on a purchase and 80% on a cash-out refinance; those are separate limits, not one combined offer. Construction and multifamily loans are quoted per deal. All limits are subject to appraisal and underwriting, and every loan is for property you invest in, not a house you or a relative will occupy.

Is there a prepayment penalty on a North Carolina loan?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in North Carolina or have an LLC there?

No. Many of our borrowers invest outside the state they live in. You can borrow in your own name or through an LLC; if the LLC was formed in another state, your loan officer will tell you what's needed before closing.

Where we lend

More states with local pages