Hard Money Lenders North Carolina – Fast DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
We fund residential and commercial loans across North Carolina, including Raleigh, Charlotte, Greensboro, Durham, Winston-Salem, and Fayetteville. Close deals quickly with reliable hard money financing for investors, landlords, and builders.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Hard Money Lenders North Carolina offers investors fast and reliable funding for a variety of real estate projects. Whether you’re flipping a property, expanding your rental portfolio, or constructing a new home, our loan programs provide flexible options tailored to your needs. With competitive rates, minimal paperwork, and rapid approvals, investors in North Carolina trust us for timely capital and smooth closings.
Our loans include DSCR 30-year rental financing, fix & flip funding, spec home construction loans, asset-based lending, and commercial hard money solutions. Serving Raleigh, Charlotte, Greensboro, and surrounding cities, we prioritize speed, transparency, and local expertise, ensuring your investment projects stay on schedule. Partner with [Company Name] for funding solutions designed to help you succeed in North Carolina’s real estate market.
Investment Loan Programs in North Carolina
North Carolina Fix & Flip Loans
Short-term financing for investors flipping residential properties in North Carolina. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Terms Based on Credit & Flip Experience
North Carolina Spec Home Construction Loans
Finance ground-up residential builds with fast approvals and flexible draw schedules.
- 1–4 Unit Residential Projects
- Up to 85% Loan-to-Cost
- Interest-Only During Build
North Carolina 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than personal income.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in as little as 14 Days
North Carolina Asset-Based Hard Money Loans
Loans secured by property assets for residential and commercial investors needing fast, flexible financing.
- 1–4 Unit Residential
- 5+ Unit Residential
- Commercial: Retail, Office, Warehouse, Mixed-Use
- 50% Loan-to-Value Maximum
- Close in as little as 2 Weeks
North Carolina Commercial Hard Money Loans
Financing for commercial real estate investors across North Carolina, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Why Investors in North Carolina Choose HardMoneyMan.com LLC
- Fast approvals and closings in 7–20 days
- Flexible funding for all project types
- Expertise in Raleigh, Charlotte, Greensboro, and surrounding markets
- Dedicated support for investors of all experience levels
Fast Hard Money Loans for North Carolina Real Estate Investors
Hard money loans are a powerful financing tool for real estate investors in North Carolina who need speed, flexibility, and asset-based approvals. Unlike traditional banks, hard money lenders focus on the property value and exit strategy — not tax returns or employment history.
Whether you are flipping homes, building spec properties, or expanding a rental portfolio, hard money financing allows you to compete, close faster, and scale efficiently.
We Lend in:
Charlotte, Raleigh, Greensboro, Durham, Fayetteville, Cary, Wilmington, High Point, Greenville, Asheville and other cities in North Carolina
How to Apply for a Hard Money Loan in North Carolina
- Submit Your Deal: Share purchase price, rehab budget, exit strategy, and timeline.
- Receive Loan Terms: Get a clear breakdown of leverage, rates, and fees.
- Complete Loan Package: Upload required documents and authorize appraisal.
- Underwriting Review: Final approval typically within 24 hours.
- Close & Fund: Loan closes and funds are released quickly.
Experience You Can Trust
I have been a hard money lender and real estate investor for over 25 years. I specialize in financing fix and flip projects, ground-up spec construction, and long-term DSCR rental loans for investors nationwide.
This experience allows us to evaluate deals quickly, structure investor-friendly terms, and help borrowers avoid common pitfalls that slow down closings.
Recent North Carolina Loan Examples
Calabash, NC – Ground-Up Construction Loan
Lot Purchase: $33,000
Construction Cost: $238,400
Completed Value: $400,000
We funded 100% of construction costs after the borrower purchased the lot with cash.
Fuquay-Varina, NC – 30-Year DSCR Rental Loan
Purchase Price: $277,000
Loan Amount: $124,650
30-Year Fixed Rate DSCR Loan closed in 10 days.
Serving Growing Southeastern Markets
Along with North Carolina, we support investors operating in surrounding markets such as
Virginia
and
South Carolina.
Our financing options are built for investors scaling across state lines.
Frequently Asked Questions About Hard Money Loans in North Carolina
How fast can a hard money loan close in North Carolina?
Most hard money loans in North Carolina close within 7 to 14 days. Metro areas like Charlotte, Raleigh, and Durham can often close faster when appraisals and titles are expedited.
Do I need good credit to qualify for a hard money loan in North Carolina?
No. Approval is based on the property value and investment strategy, not personal income or credit score. Investors with past credit challenges can still qualify.
How much can I borrow for a North Carolina property?
Loan amounts typically go up to 90% of purchase price and 100% of rehab costs, depending on after-repair value (ARV) and deal structure.
Are rehab and construction costs included?
Yes. Many loans include rehab or construction funding, with draws released as work is completed. Same-day draws are available on approved projects.
Which cities do you lend in North Carolina?
We lend statewide, including Charlotte, Raleigh, Durham, Greensboro, Fayetteville, Wilmington, Asheville, and surrounding areas.
Apply for a North Carolina Hard Money Loan Today
If you are looking for a reliable hard money lender in North Carolina who understands real estate investing, we’re ready to help.
Apply online or call 516-526-8445 to discuss your deal and receive a custom loan quote.