Capital Kings brokers North Carolina investor loans. Hard money, DSCR, and bridge across Charlotte, Raleigh, the Triangle, Triad, Asheville, and the coast. NC is one of our most active states because the population growth, job migration, and STR demand all line up for investors.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in North Carolina
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
Loan Products
Capital That Funds North Carolina Deals
Charlotte and Raleigh both have strong flip markets and our lenders fund there constantly. Asheville STR demand is unmatched in the Carolinas and our DSCR lenders price STR loans on projected income. The Triangle (Raleigh / Durham / Chapel Hill) gets DSCR treatment for buy-and-hold with strong tenant quality.
Fix & Flip
Hard Money for Flips
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for North Carolina flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For North Carolina buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in North Carolina growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across North Carolina
Active lending across North Carolina's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in North Carolina before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for North Carolina Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Charlotte / Raleigh fix-and-flip closes in 7 days
Asheville STR DSCR financing
Triangle buy-and-hold rentals
Coastal NC vacation rental DSCR
Ground-up new construction in growth corridors
Common Questions
North Carolina Lending FAQ
Do you lend hard money loans in North Carolina?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across North Carolina through our 350+ lender network. We close North Carolina deals in as little as 7 days.
What cities in North Carolina does Capital Kings lend in?
We broker investor loans statewide in North Carolina, with active deal flow in Charlotte, Raleigh, Greensboro, Durham, Winston-Salem and the surrounding metros.
Do you offer DSCR rental loans in North Carolina?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we broker DSCR rentals across North Carolina on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a North Carolina hard money loan close?
Most North Carolina fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a North Carolina fix-and-flip loan?
It depends on the deal. Most North Carolina hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
North Carolina Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every North Carolina deal we close.
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in North Carolina are originated by partner lenders licensed to lend in North Carolina. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.
Broker, Not a Lender