DSCR Loans North Carolina
1–4 unit residential properties, $1M max loan amount, close in 14 days.
DSCR Loans in North Carolina
Debt Service Coverage Ratio loans qualify based on rental income vs. debt obligations. Perfect for landlords and investors building rental portfolios in North Carolina.
- 660+ mid credit score required
- 1–4 unit residential properties only
- $1M max loan amount
- Close in 14 days
- No rural properties
Airbnb Rental Loans in North Carolina
Designed for short-term rental investors. Qualification is based on credit and property value, not DSCR or projected Airbnb rents.
- 650+ mid credit score required
- 75% loan-to-value
- 1–4 unit residential properties only
- $1M max loan amount
- Close in 14 days
- No rural properties
North Carolina Loan Program Comparison
| Program | Credit Score | Property Type | Max Loan | LTV | Timeline | Notes |
|---|---|---|---|---|---|---|
| DSCR Loans North Carolina | 660+ | 1–4 unit residential | $1M | Based on DSCR | 14 days | No rural properties |
| Airbnb Rental Loans North Carolina | 650+ | 1–4 unit residential | $1M | 75% | 14 days | No DSCR, no Airbnb rents |
Frequently Asked Questions – North Carolina
1. What properties qualify for DSCR loans in North Carolina?
Only 1–4 unit residential properties, $1M max loan amount, no rural properties.
2. Do DSCR loans in North Carolina require tax returns?
No. Qualification is based on rental income coverage, not personal income or tax returns.
3. How fast can DSCR loans close in North Carolina?
Typically within 14 days.
4. What is the minimum credit score for DSCR loans in North Carolina?
660+ mid credit score is required.
5. Do Airbnb rental loans in North Carolina use DSCR or Airbnb rents?
No. Airbnb rental loans qualify based on credit and property value only.
6. What is the minimum credit score for Airbnb rental loans in North Carolina?
650+ mid credit score is required.
7. What is the maximum LTV for Airbnb rental loans in North Carolina?
75% loan-to-value.
8. Are DSCR or Airbnb loans available in rural areas of North Carolina?
No. These programs do not lend in rural areas.
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