Fix and flip
Purchase and rehab in one facility. Rehab released in draws against completed work, inspected and wired same day.
$25K to $1M+ · 5 to 10 days
Home / Where we lend / North Carolina
Hard money lender in North Carolina.
Purchase and rehab funded together across North Carolina, $25K to $1M+. Written terms in 24 to 48 hours and a wire in 5 to 14 days.
Submit a dealLending is nationwide. See all markets.
The market
What actually trades in North Carolina.
A growth market where the finished comparables move while you are still working, which cuts both ways. It forgives a rehab that runs two months long, and it punishes an ARV pulled from sales that closed a year ago. The Triangle and Charlotte carry genuine new construction demand; the Triad is a rehab market and prices like one.
Most active markets: Charlotte, Raleigh, Durham, Greensboro, Winston-Salem, Fayetteville. That list is where the deals have come from rather than a service area, and a property anywhere else in North Carolina is underwritten on the same terms.
The State Bar requires a licensed attorney to be present at and supervise a residential closing, so settlement is scheduled around attorney availability rather than a title office's calendar. On a fast timeline that is the thing to book first, not last.
Instruments
What gets used here.
These are the ones written most often in North Carolina. The full range is on the main page and none of it is restricted by state.
Ground-up construction
Land plus vertical, drawn against a schedule of values. Contractor bids reviewed before close, not after.
$150K to $1M+ · 10 to 14 days
DSCR purchase and refinance
Long-term rental debt qualified on the property's income. No tax returns, no W2s, no employment history.
$75K to $1M+ · 14 to 21 days
Questions
About lending in North Carolina.
Do you only lend in North Carolina?
No. Lending is nationwide. North Carolina has its own page because it is one of the markets deals most often come from, not because it is a boundary. If your property is in another state, submit it and the terms are the same.
Which parts of North Carolina do you lend in?
All of it. The most active markets are Charlotte, Raleigh, Durham, Greensboro, Winston-Salem, Fayetteville, and those are simply where the most deals have come from rather than a service area.
How fast can you close in North Carolina?
Five to fourteen days in most cases. Written terms come back in 24 to 48 hours, and after that the pace is set by title clearance rather than by me. If you have a hard closing date, say so in the submission and you will get an honest answer about whether it is achievable.
What kind of property do you fund in North Carolina?
Non-owner-occupied residential, one to four units, and small multifamily. Owner-occupied homes and primary residences are not funded anywhere, because this is investment property lending only.
Guides
Worth reading before you submit.
How to calculate ARV without fooling yourself
After repair value is the number every other number depends on. Here is how to build one from comparable sales, and the five ways it gets inflated.
The 70% rule in house flipping, and the deals where it lies to you
The 70% rule is a filter, not an underwriting model. Here is what it assumes, and the four situations where following it loses money.
Ground-up construction loan requirements: what gets checked
A construction loan is underwritten on a budget and a schedule, not a house that exists yet. Here is what has to be in place before one funds.
Who this is for
Start where you fit.
For investors
You found the deal. The financing should not be the slowest part of it. Written terms in 24 to 48 hours from the one person who can actually say yes, and a wire in 5 to 14 days.
For agents
Three ways an agent uses a lender: rescue a listing that will not sell, make an investor buyer credible, or refer the client and get paid for the introduction.
For wholesalers
You need to own it for about an hour, and the seller wants a buyer who can close rather than one who will assign the contract. That is the whole job here.
For builders
A construction loan is a payment schedule with a loan attached, and what decides whether a build finishes on time is whether the money arrives when the work is done.
Everywhere else
Not in North Carolina?
Lending is nationwide. The states below have their own page because they are where the most deals come from, not because they are the only places money goes. If your property is somewhere else, submit it anyway; the terms do not change with the postmark.
New Jersey, Pennsylvania, New York, Texas, Ohio, Indiana, South Carolina, Virginia, Maryland, Delaware.
Submit a deal
Let's price it.
No credit pull, no obligation, and a real answer either way. If it is not a fit I will tell you why, and usually who to call instead.
- Terms in 24 to 48 hours
- Written, not verbal
- One person, start to finish