Close in 10 Days. 90% LTC.
Raleigh 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 Raleigh Rate →The stock is pre-war bungalows in the Raleigh and Durham historic neighborhoods, post-war ranches across Wake and Durham counties, and large-scale new construction in the suburbs. Bungalow rehab in Southeast Raleigh, Method and East Durham where basis still leaves margin. Crawlspace moisture and knob-and-tube are standard.
North Carolina is non-judicial with a clean process. Durham runs at a lower basis than Raleigh with Duke and RTP as anchors and a more active rehab pipeline in the older neighborhoods; Cary and Wake Forest bring newer suburban stock; Chapel Hill is university-driven with strict rental rules. Wake County reassessment has moved the tax line.
Pre-war stock in Raleigh 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: Charlotte, NC →Greenville, NC →DSCR Loans in Raleigh →Asheville, NC →Fayetteville, NC →Greensboro, NC →Wilmington, NC →
Fix & Flip loans in Raleigh 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.
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.
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 Raleigh metro including Cary, Apex, Morrisville, Wake Forest, and Durham.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. Raleigh submarkets like Five Points have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Raleigh rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Raleigh — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Raleigh 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 Raleigh 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 Raleigh range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Raleigh 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. Budget contingency for it.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
We finance flips across the full Raleigh metro, including Durham, Cary, Chapel Hill, Garner, Knightdale and Wake Forest. The submarkets are not interchangeable:
Durham runs at a lower basis than Raleigh with Duke and the Research Triangle Park as anchors and a more active rehab pipeline in the older neighborhoods; Cary and Wake Forest bring newer suburban stock; Chapel Hill is university-driven with strict rental rules. North Carolina is non-judicial with a clean process.
Whichever submarket the property sits in, the loan is underwritten the same way — run it in the ARV and cash-to-close calculator with the actual local purchase, rehab and ARV figures first.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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