Close in 10 Days. 90% LTC.
Charlotte real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 620+ credit. Close in 5-10 days.
Check My Charlotte Rate →The stock is pre-war mill-village and bungalow stock ringing uptown, post-war ranches across the city, and large-scale new construction in the suburbs. Mill-village and bungalow flips in Belmont, Villa Heights, Enderly Park and Camp Greene. Crawlspace moisture and knob-and-tube are standard; the market moves fast enough that ARV comparable selection is time-sensitive.
North Carolina is non-judicial with a clean process. The metro spans into South Carolina — Rock Hill and Fort Mill are South Carolina properties with different law and tax. Charlotte has drawn sustained in-migration and the banking employment base produces a stable professional tenant demand. Mecklenburg County reassessment cycles move the tax line.
Pre-war stock in Charlotte means the scope is rarely what the walkthrough suggests. Budget the mechanicals before the finishes and expect the inspector to find what the seller did not disclose.
Also see: Raleigh, NC →Greenville, NC →DSCR Loans in Charlotte →Asheville, NC →Fayetteville, NC →Greensboro, NC →Wilmington, NC →
Fix & Flip loans in Charlotte qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Charlotte is the second-largest banking center in the US behind NYC. Bank of America, Truist, and Wells Fargo East Coast operations center there. Continued population growth from the Northeast and Midwest keeps rental demand strong. South Charlotte and Lake Norman deliver strong long-term rental returns; Uptown and South End drive STR demand.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Charlotte metro including Huntersville, Matthews, Mint Hill, Concord, and Gastonia.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. Charlotte submarkets like Myers Park have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Charlotte rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Charlotte — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Charlotte averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Charlotte fix and flip closings happen in 5-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Charlotte range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Charlotte fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
Crawlspace moisture and knob-and-tube are standard; the market moves fast enough that ARV comparable selection is time-sensitive. Budget contingency for it.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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