Raleigh real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Raleigh Rate →The Research Triangle (Raleigh, Durham, Chapel Hill) is home to Duke, UNC, NC State plus the Research Triangle Park (largest research park in the US). Apple's $1B campus and major life sciences companies (Biogen, Lenovo, Cisco) provide constant high-income rental demand. Higher entry prices than Charlotte but stronger appreciation.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
We also fund investments throughout the greater Raleigh metro including Cary, Apex, Morrisville, Wake Forest, and Durham.
Raleigh rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Cary often qualify easily on gross rent alone.
Raleigh markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Raleigh allow LLC borrowing with personal guarantees. Standard for asset protection.
Raleigh's 5.6% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Raleigh properties.
Yes. DSCR loans qualify based on the Raleigh rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Raleigh DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Raleigh rental yields average 5.8% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Raleigh allow borrowing in an LLC with a personal guarantee.
Raleigh DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Raleigh areas have STR restrictions — verify local rules.
Standard DSCR loans in Raleigh go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Raleigh rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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