Licensed & LendingHard Money & DSCR Loans in North Carolina
Capital Kings funds 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.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
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
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for North Carolina fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for North Carolina buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. North Carolina growth corridors specifically.
Active Markets
Cities We Fund Across North Carolina
Active lending across North Carolina's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for North Carolina Investors
Charlotte / Raleigh fix-and-flip closes in 7 days
Available statewide for North Carolina investors.
Asheville STR DSCR financing
Available statewide for North Carolina investors.
Triangle buy-and-hold rentals
Available statewide for North Carolina investors.
Coastal NC vacation rental DSCR
Available statewide for North Carolina investors.
Ground-up new construction in growth corridors
Available statewide for North Carolina investors.
Common Questions
North Carolina Lending FAQ
Do you lend hard money loans in North Carolina?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across North Carolina through our 270+ lender network. We close North Carolina deals in as little as 7 days.
What cities in North Carolina does Capital Kings lend in?
We fund 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 fund 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?
As little as 0% down on the right deal. Most North Carolina hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in North Carolina can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
North Carolina Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every North Carolina deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
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.
Connect With Micah →Ready to fund your North Carolina deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
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.