Hard Money Lenders in Greensboro, NC | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inGreensboro, North Carolina

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Greensboro investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Greensboro deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, October 2026

Price a Greensboro deal right now

Prefilled with a realistic Greensboro deal. Change any number and it reprices on the programs that lend in North Carolina, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Greensboro

Greensboro is the largest city in the Triad, with two big universities, a hospital system and a growing industrial base. The battery plant in Randolph County and the new aerospace work at the airport are bringing jobs, and NC A&T and UNCG keep the rental market busy. The flip stock is 1920s to 1950s bungalows and cottages near the campuses plus 1950s and 1960s ranches farther out.

Greensboro is a neighborhood-by-neighborhood market. Lindley Park, Westerwood and Lake Daniel sell to buyers who pay for walkable streets and older character. Glenwood, near UNCG, is where the spread still exists but the block matters. East Greensboro is cheaper and often a rental exit. We decide which buyer your street serves before we put a number on the after repair value.

What a Greensboro deal looks like on paper

Greensboro example: $175,000 purchase, $55,000 rehab, $330,000 after repair value, 700 credit, first flip. The engine puts that borrower on the New Investor Program program at 9.75%. Picture a 1930s frame bungalow in Glenwood with a wide front porch, plaster walls, a single bath and a kitchen added onto the back decades ago. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$208,125
Cash to close$33,499
Proof of funds to show$58,495
Where the $33,499 goes
  • Down payment (12.5% of the purchase)You$21,875
  • Origination (1%)Lender$2,081
  • Doc prepLender$749
  • Broker fee (1%)Broker$2,081
  • Title and closing (estimate at Texas rates)Title$3,364
  • Prepaid interest (15 days)Lender$614
  • Property insuranceInsurer$2,185
  • AppraisalAppraiser$550

Interest while you rehab: $1,244 a month on the $153,125 funded at closing, $1,691 once every draw is out. Proof of funds is cash to close plus $14,850 of rehab reserve and $10,146 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Greensboro

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
New Investor Program12.5% of purchase700+First flip OK9.75%1%75% of ARV12 months72 hours
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
Fastest Close (3 days)10% of purchaseNo minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Greensboro prices sit right now

Before we price a Greensboro flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Greensboro median sale price at $285K for the three months ending September 2026, down 1.9% on a year earlier, with homes selling in around 43 days. The median price per square foot is $167.

Median sale price (Redfin)$285K
Change from a year earlierdown 1.9%
Days on market (Redfin)43
Median price per square foot$167

Sources: Redfin, Greensboro housing market

How a Greensboro file actually gets priced

Prices dipped slightly in Greensboro this year, so we use recent closings and watch how long they took. Appraisers separate the older in-town neighborhoods from the ranch subdivisions and from High Point and Winston-Salem sales. We pull renovated sales from the same neighborhood with the same bath count, since adding a second bath is often where the value comes from.

North Buffalo and South Buffalo Creek have floodplain through parts of the city, so check the parcel map. The 2018 tornado hit East Greensboro, so look at the roof and framing for old storm repairs. Fisher Park, Aycock and College Hill are historic districts where exterior work needs approval first. Older houses often still have oil tanks, knob and tube wiring and lead paint.

Who buys your finished Greensboro deal

The finished Greensboro house sells to a university or hospital employee, a young family or a first-time buyer using FHA or NC down payment help. They need a clean appraisal and inspection. Near the campuses, a long-term rental on a DSCR loan (a rental loan that qualifies on the property’s rent, not your income) works as a hold if the sale runs long.

What happens after you apply

Apply once and the whole Greensboro loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Greensboro

Fix and flip

10%down on a first flip
Rates
from 9.50% at 620+ credit with 2+ completed flips
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in North Carolina →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in North Carolina →

Bridge and purchase only

12.5%down at 700+ credit, no rehab in the loan
Rates
from 9.75% at 680+ credit
Close
in as little as 72 hours
Good for
auction buys, off-market deals and 1031 timing

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in North Carolina →

Where we lend in Greensboro

We broker deals across the whole Greensboro market. The submarkets investors ask us about most are Glenwood (27403), Lindley Park and Westerwood (27403), Lake Daniel (27408), Aycock and Dunleath (27401 / 27405), Starmount (27403 / 27407) and East Greensboro (27405).

How long does a Greensboro loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in North Carolina, and the rate, origination, leverage and cash to close come back side by side. As little as 72 hours on the fastest program, 7-30 days on the others. We stay on title and the lender through funding.

Greensboro hard money FAQ

Do you lend hard money in Greensboro?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Greensboro scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in North Carolina, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Greensboro?
As of October 2026: New Investor Program (12.5% down, from 9.75%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips); Fastest Close (3 days) (10% down, from 11.99%). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Greensboro hard money loan close?
As little as 72 hours on the fastest-close program, which has no credit minimum. In North Carolina, once the file is complete, the programs for investors with completed flips close in 7-14 days (10-14 on 5% down with 5+ flips, 21-30 on 7.5% down with 3+ flips) and a first flip on the 10% down program closes in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Greensboro flip?
The worked example on this page is a $175,000 Greensboro purchase with a $55,000 rehab and a $330,000 after repair value at 700 credit, first flip: $21,875 down (12.5% of the purchase) and $33,499 total cash to close, with $58,495 of proof of funds to show the lender. The lowest down payment for a first flip in Greensboro is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Greensboro?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Greensboro fix and flip loan?
One Greensboro program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 9.50%, needs 620+ credit and 2+ completed flips. Depending on the program, rates step down at 700 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Greensboro flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Greensboro flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Should I add a bath to a Greensboro bungalow?
Often it’s where the profit is. Many older houses in Glenwood and Lindley Park have one bath, and buyers pay noticeably more for two. Look for space in a back bedroom, a closet or an old porch, and check that the plumbing and the permit path work before you commit.
Do oil tanks matter on a Greensboro flip?
They can. Many older houses here heated with oil, and buried tanks are still found in yards. Buyers and their inspectors look for them. Ask the seller, look for fill pipes, and budget for removal or closure if one turns up.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Greensboro: Winston-Salem, Durham, Charlotte and Raleigh. More North Carolina city guides: Asheville, Mooresville and Wilmington. Or see everything we fund in North Carolina.

Ready to fund your Greensboro deal?

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