Fix and Flip Loan FAQs for North Carolina Real Estate Investors

Basic ID, LLC docs (if applicable), purchase contract, scope of work, and sometimes a recent bank statement. No tax returns required.

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“If you’re investing in Charlotte, don’t miss our Fix & Flip Loan page with fast-close options and rehab funding.”

“Want to understand the Charlotte market before you invest? Visit our Hard Money Lenders Charlotte page for local trends and deal strategies.”

A fix and flip loan is short-term financing used to purchase and renovate investment properties, typically with the intent to resell for profit.

They’re faster, more flexible, and based on the property’s ARV—not your income or credit score. Ideal for investors who need speed and leverage.

Rates range from 10–13%, with 12-month terms being standard. Interest-only payments help preserve cash flow during renovations.

Yes. Many lenders—including HardMoneyMan—offer up to 100% of rehab costs, provided the total loan falls within ARV limits.

Basic ID, LLC docs, purchase contract, scope of work, and sometimes a recent bank statement. No tax returns required.

Single-family homes, townhouses, and small multi-family units (2-4 unit) The property must be non-owner occupied and have clear value-add potential.

Absolutely. These loans are designed for fast-moving deals like auctions, REOs, and off-market opportunities.

Extensions may be available depending on your progress and payment history. Communication is key—reach out early.

Not necessarily. Individual investors can apply, but using an LLC may offer liability protection and tax advantages.

Apply online, call our team, or schedule a consultation. We’ll walk you through the process and get you funded fast.