Charlotte Investment Property Loans

Investment property loans in Charlotte, North Carolina. Rental, commercial, and multifamily financing with no minimum credit score, no income docs. Same-day approval. Close in 13 days. Direct private lender since 2001.

Charlotte Loan Programs

Why Invest in Charlotte

Charlotte offers strong fundamentals for real estate investors including population growth, rental demand, and appreciation potential. Our direct lending approach lets you move fast on deals in this competitive market with same-day approvals and closings in 13 days.

More North Carolina Markets

We finance investment properties throughout North Carolina. See all North Carolina investment property loans.

Charlotte Investment Property Loan FAQ

What types of investment properties do you finance in Charlotte, NC?
We finance 1-4 unit residential investment properties, multifamily buildings, mixed-use properties, and select commercial real estate in Charlotte, North Carolina. As a direct private lender since 2001, we focus on property value and equity rather than borrower income.
Do I need income documentation for a rental property loan in Charlotte?
No. For 1-4 unit residential investment properties in Charlotte, we do not require income verification, tax returns, or W-2s. We underwrite based on the property's value and your equity position, enabling faster closings.
How fast can I close on an investment property in Charlotte?
Most investment property loans in Charlotte close in 13 days. We issue term sheets within 1 hour and handle everything in-house with no committee delays, which is critical in Charlotte's competitive market.
What is the maximum LTV for Charlotte investment properties?
We offer up to 75% LTV on purchases and refinances for Charlotte investment properties. With seller carry financing, combined CLTV can reach up to 90% for experienced investors.
Do you require DSCR for Charlotte rental property loans?
No. For 1-4 unit residential properties in Charlotte, NC, we do not require DSCR calculations. We evaluate deals based on property value and borrower equity. Commercial properties above $500K may require DSCR analysis.
What loan programs are available for Charlotte real estate investors?
We offer 30-year fixed rental loans, bridge loans (6-24 months), multifamily financing, commercial property loans, and foreign national programs for Charlotte investors. Loan amounts range from $150K to $5M depending on property type, location, leverage, and deal structure.

Get Your Same-Day Term Sheet

Call (800) 805-3391 or request a quote online.

Direct private lender since 2001. Private capital. Direct decisions. No middlemen.

We finance investment properties in 44 states (excluding AZ, MN, ND, NV, SD, VT).