North Carolina (NC)

DSCR Loans in North Carolina

Property-cash-flow mortgages for North Carolina real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a NC DSCR QuoteRun DSCR Calculator

Why DSCR Loans Work in North Carolina

Charlotte and the Research Triangle are top-5 U.S. metros for population growth — driving rental demand and supporting DSCR ratios.

Average Rent
$1,700/mo (SFR statewide)
Top Markets
Charlotte, Raleigh-Durham, Greensboro.
Close Time
13–21 days statewide

North Carolina DSCR Loan Program

  • Loan Amount
    $100,000 – $5,000,000+
  • Max LTV
    80% purchase · 80% cash-out refi
  • Minimum Credit
    620 FICO
  • Minimum DSCR
    1.0 (sub-1.0 with compensating factors)
  • Property Types
    1–8 unit residential, condos, small multi-family, STR
  • Borrower Entity
    Individual, LLC, LP, Trust
  • Income Documentation
    None required
  • Rate Range
    Mid-7% to low-9% (Nov 2025)

Cities We Fund in North Carolina

Charlotte
Raleigh
Greensboro
Durham
Winston-Salem
Fayetteville

Plus every other city, town, and county across North Carolina. Statewide coverage.

Related Resources

DSCR Loan Program Overview →
Full program details, rates, and how DSCR loans work.
DSCR Loan Requirements →
Credit, DSCR ratio, down payment, and documentation.
DSCR vs Conventional →
Compare DSCR to traditional investment mortgages.
DSCR Calculator →
See if your North Carolina property qualifies in 30 seconds.

DSCR Loans in Other States

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Frequently Asked Questions

Ready to Fund Your North Carolina Rental?

Get a DSCR quote for your North Carolina property in minutes — no credit pull, no income docs.