Charlotte, North Carolina
Hard money lenders in Charlotte, NC
Fix and flip, DSCR rental, new construction and bridge loans for real estate investors in Charlotte, NC, from a direct private lender. Term sheet in about 2 hours on average; most loans close in 5–10 business days.
Loan programs
What we lend on in Charlotte, NC
Business-purpose loans for real estate investors only. Close in your LLC or other entity.
| Program | Rates | Leverage | Term |
|---|---|---|---|
| Fix & flip | From 8.75% | Up to 90% of cost | 12–24 months |
| DSCR rental | From 6.75% | Up to 80% LTV | 30-year fixed |
| New construction | From 8.75% | 85–90% of cost | 12–24 months |
| Multifamily | From 8.0% | Up to 75% LTV | 1–10 years |
Terms are subject to underwriting, appraisal, title, and insurance.
Recent closes
Deals we have closed in Charlotte
- We recently closed a ground-up construction loan in Charlotte, NC in 10 days, with 100% financing of the build costs plus soft costs.
Market snapshot
The Charlotte, NC investor market at a glance
Public market data, each figure linked to its source. It describes the market, not our loan terms.
| Measure | Figure | Source |
|---|---|---|
| Median sale price, Charlotte, NC metro (Zillow, all homes, raw) | $402,750 (Aug 2025: $400,000) | files.zillowstatic.com, 2026-08-31 |
| Typical home value, Charlotte city (Zillow ZHVI, mid-tier) | $389,648 (-1.2% year over year) | files.zillowstatic.com, 2026-09-30 |
| Typical rent, Charlotte city (Zillow ZORI, all rentals) | $1,729/mo (+1.0% year over year) | files.zillowstatic.com, 2026-09-30 |
| Median days to pending, Charlotte, NC metro (Zillow) | 36 days (Sep 2025: 32) | files.zillowstatic.com, 2026-09-30 |
| Effective property tax rate, Mecklenburg County (Tax Foundation, ACS 5-yr) | 0.69% (median home value $406,800, median tax bill $2,890) | taxfoundation.org, 2024 (ACS 2020-2024 5-yr; published 2026) |
| Charlotte city population growth (Census Vintage 2025) | +20,731 residents, the largest numeric gain of any U.S. city (Jul 2024-Jul 2025) | census.gov, 2025-07-01 |
| Charlotte metro population growth (Census Vintage 2025) | +54,122 residents (5th-largest metro gain) | census.gov, 2025-07-01 |
Data gathered 2026-11-04.
How it works
From application to funded
Send the deal
Property, price, rehab or build budget, and your track record. The application takes about five minutes.Get real terms
A written term sheet in about 2 hours on average.Close
Most loans close in 5–10 business days. Draws are typically funded within 1 business day.
North Carolina
More of North Carolina
Questions
Investor loans in Charlotte, NC: common questions
Do you make hard money loans in Charlotte?
Yes. We make business-purpose loans to real estate investors in Charlotte and across 45 states: fix and flip, DSCR rental, new construction and bridge loans from $75K to $5M.
How fast can you close a loan in Charlotte?
Most loans close in 5–10 business days, depending on the appraisal, title and insurance. You get a written term sheet in about 2 hours on average.
Can I borrow in my LLC?
Yes. Most of our borrowers close in an LLC or other business entity, and we encourage it.
Do you lend to homebuyers or on a home I will live in?
No. We lend only to real estate investors on investment property, never on a primary residence.
Is North Carolina a judicial or non-judicial foreclosure state?
The usual process in North Carolina: non-judicial (power of sale). It affects how long distressed and auction properties take to reach the market, so check timelines with a local title company or attorney.
Have a deal in Charlotte? Get a term sheet in about 2 hours on average.
Apply now