Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873Non-owner-occupied investment property only
Commercial DSCR Investor Deal Desk
North Carolina (NC) Wholesale Lender Directory · Quasi-Judicial (Clerk of Court Hearing + 10-Day Upset Bid) Foreclosure

North Carolina (NC) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in North Carolina (NC) on HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets. Underwritten to North Carolina's Quasi-Judicial (Clerk of Court Hearing + 10-Day Upset Bid) statutory framework (90–120 days-day average timeline), 0.78% average property tax rate, and $560/$100K landlord hazard insurance benchmark.

#1 Wholesale Brokerage Shelf · NMLS #2827624

Loan Daddy LLC — North Carolina (NC) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · Close in North Carolina LLC or Delaware LLC.

Match My NC Deal →Compare NC Shelves

Active Wholesale Loan Programs in North Carolina (NC)

North Carolina DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
North Carolina Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
North Carolina Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
North Carolina Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
North Carolina Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
North Carolina Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
North Carolina Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
North Carolina Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
North Carolina Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
North Carolina Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

North Carolina County-Level Tax & Insurance Underwriting Hubs (5)

Mecklenburg County, NC
Mecklenburg County, NC · 0.81% Tax
Wake County, NC
Wake County, NC · 0.78% Tax
Guilford County, NC
Guilford County, NC · 0.94% Tax
Durham County, NC
Durham County, NC · 0.96% Tax
Buncombe County, NC
Buncombe County, NC · 0.76% Tax

Top North Carolina Rental Markets

Charlotte, NCRaleigh, NCGreensboro, NCDurham, NCWinston-Salem, NCFayetteville, NCCary, NCWilmington, NCHigh Point, NCGreenville, NCAsheville, NCConcord, NC
Best North Carolina (NC) DSCR & Private Money Lenders (2026) | HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets