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. 660+ credit. Close in 7-10 days.
Check My Charlotte Rate →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.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
We also fund investments throughout the greater Charlotte metro including Huntersville, Matthews, Mint Hill, Concord, and Gastonia.
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%+.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Charlotte fix and flip closings happen in 7-10 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.
Most programs require 660+ FICO. Stronger programs start at 680-700.
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.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
Check My Eligibility →By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
Investment Property Only • 660+ FICO • $200K+ Loans
🔒 SSL Secured · 256-bit Encryption · ✓ Investment Properties
Or call us directly: (877) 298-1001