Home
Loan Products
New Construction DSCR Rental Bridge Fix & Flip Build to Rent
Who We Are
What We Do Meet the Team Where We Lend
Broker Partners
Loan Calculators
Construction DSCR Rental
Apply Now
All Lending Areas

Private Lending in North Carolina

Residential investment financing across North Carolina’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Market Overview

Investing in North Carolina

North Carolina combines population migration (1.7% annually), tech sector growth (Raleigh-Durham), and the Research Triangle's strong professional employment. Charlotte and the Piedmont region drive substantial construction volume. Median prices ($320,000 in Charlotte) remain reasonable relative to growth trajectory. Property taxes are moderate (0.86%), and no state income tax on dividends/capital gains (for NC residents) enhance investor returns.

The state's business-friendly environment, limited regulatory burden, and sustained population flows create robust buy-and-hold and new construction opportunities. For portfolio investors and developers, North Carolina offers attractive risk-adjusted returns across multiple metro areas.

Lending Areas

North Carolina Markets We Serve

We lend across North Carolina’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Charlotte Raleigh-Durham Greensboro Winston-Salem Asheville
Loan Programs

Available in North Carolina

Every loan program we offer is available to qualified borrowers and properties in North Carolina.

Bridge Loans

Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.

Learn More

DSCR Rental Loans

30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.

Learn More

Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

Learn More

New Construction Loans

Capital for home builders to leverage their lot position and break ground on new residential projects.

Learn More

Build to Rent Loans

Financing for purpose-built rental communities and single-family rental developments.

Learn More
Key Data

Market Snapshot

Median Home Price
$320,000
Property Tax Rate
0.86%
Population Growth
1.7% annually
Annual Permits
~75,000 annually
Landlord Friendly
Yes
Top Yield Market
Greensboro
Strategies

What Works in North Carolina Right Now

Charlotte Suburban Acquisition-Rental at Scale

Charlotte suburbs (South Charlotte, Concord, Huntersville) offer strong tenant demand and appreciation. Acquire 6–10 properties ($220K–$320K) in acquisition mode. DSCR refinance into long-term hold. 5–6% yields with strong appreciation.

Research Triangle New Construction & Takeout

Raleigh-Durham's tech boom drives continuous construction (15,000+ annual permits in metro). Finance builders from land through vertical construction and takeout into permanent DSCR financing. Multi-phase projects.

Greensboro & Winston-Salem Value-Add Portfolio

Secondary markets offer lower cost basis ($180K–$240K) and higher cap rates. Acquire 3–5 properties. Light value-add or stabilized hold. DSCR financing locks 6–8% yields.

Questions

Frequently Asked Questions

What's North Carolina's tax treatment of investment income?
North Carolina has no capital gains tax on long-term gains (some limitations apply). Dividends and capital gains receive favorable treatment for NC residents. Rental income is taxed as ordinary income. Consult a NC CPA on residency requirements.
Are there landlord-friendly eviction laws?
North Carolina is landlord-friendly. Evictions require 10 days' notice and typically conclude within 2–3 weeks. No just-cause requirement. Deposits and entry fees are permissive.
Does North Carolina allow unlimited rent increases?
Yes. North Carolina has no rent control. Landlords can set and raise rents freely, enabling predictable DSCR underwriting.
What rental income can I expect in North Carolina?
Charlotte rentals range $1,100–$1,400/month on $250K–$320K properties. Raleigh-Durham supports $1,000–$1,300/month. Greensboro offers lower basis ($180K–$240K) supporting 6–8% cap rates.
Other Markets

Also Lending In

Virginia South Carolina Tennessee Georgia

Start Your North Carolina Investment

Our team has deep experience financing residential projects across North Carolina. Reach out to discuss your next deal.

Apply Now →