Best North Carolina Investment Property Loans (Hard Money/DSCR) - Easy Street Capital

[Robin Simon]

Easy Street Capital is proud to be a leading private lender for The Tarheel State! We offer industry leading Hard Money and DSCR Loans for every type of North Carolina Real Estate Investor. Easy Street Capital is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies such as Short Term Rentals, Fixing and Flipping and the BRRRR Method! Our North Carolina DSCR Loans are perfect rental loans for the long-term real estate investor looking for cash flow. Our North Carolina Hard Money Loans are ideal for renovators looking to add value through rehabs or ground-up construction!

Check out the rest of this North Carolina Investment Property Loans page for all the information you need on our loan programs. Check out recently funded rental loans, information on all of our loan programs, FAQs, market analysis and more!

Real Estate investors from all around the country are making their way to North Carolina to establish rental property portfolios. The Tar Heel State has become a popular choice among real estate investors due to several compelling reasons. These factors encompass a robust economy, reasonable property prices, and consistent rental yields! At Easy Street Capital, we take pride in being a prominent source of loans for rental properties, catering to real estate investors interested in developing rental portfolios in North Carolina!

Types of Loans for Investment Properties

When it comes to real estate investing in North Carolina, there are many markets and types of investment property loans to choose from. For investors that like to get their hands dirty, rehabbing run-down properties, hard money renovation loans are a perfect choice! These loans allow you to buy a property quickly and finance your rehab costs as well! Once you are done, you can either “flip” the property for a quick profit or pursue the BRRRR Strategy by renting it out and then refinancing into a long-term, low-rate DSCR loan!

Long-term DSCR Loans are also great for investing in turnkey rental properties. Turnkey refers to properties that are rent-ready and require no renovations. Move-in ready single-family homes and fully furnished short term rentals are great for cash flow and price appreciation. Most DSCR Loans are fixed rates for thirty years, locking you into a fixed interest rate for the long-term. While, if historical patterns continue, rents and appreciation increase steadily each year. Bottom line, debt costs stay the same while cash flow increases!

Real estate investors in North Carolina appreciate the market’s advantageous feature of no prepayment penalties, allowing them the freedom to refinance without any financial constraints. Although some lenders may adjust interest rates slightly higher to accommodate this flexibility, the ability to refinance presents a significant advantage for investors seeking greater financial freedom.

Where To Invest In Real Estate In North Carolina

North Carolina boasts a diverse array of enticing real estate investment opportunities across its vibrant cities. Among these, Charlotte stands out as a bustling metropolis, offering a multifaceted economy and a continuously expanding population that captivates investors. Along the coast, Wilmington beckons with its coastal charm and strategic location. Salvo, with its serene coastal beauty, presents a unique investment prospect.

In the heart of the state, Raleigh shines as the capital, boasting a thriving population and economic landscape. Fayetteville holds its own as a dynamic city with military influence and growth potential. Greensboro, a hub of activity, offers a mix of urban amenities and suburban tranquility. On the Crystal Coast, Emerald Isle’s allure draws both tourists and investors. Lastly, nestled in the mountains, Asheville’s charm and cultural richness provide a distinctive investment opportunity in North Carolina.

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Are you a Property Manager or Full-Scale Mortgage Broker (including Conventional, Non-QM) in North Carolina? We are looking for trusted professionals in North Carolina to refer our investor borrowers too! Comment or DM me to discuss, and we can potentially feature you on our website!

[Robin Simon]

Recent Easy Street Capital North Carolina DSCR Loan Fundings!

💵Just Funded💵🏖️AirBnBRRRR🧊
$322,500 Cash-Out Refinance Rental Property Loan (DSCR Loan) on a STR in Charlotte, North Carolina! This investor rejuvenated this Charlotte residence with a >$50k renovation, now up and running on airbnb - 30-year fixed rate financing locked in 🔐! via @River Sava

💵Just Funded💵
$161,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Enfield, North Carolina! Investor takes some cash out of this rental property previously owned "free and clear" to finance his next purchase. Retains cash flow (1.22x) after the refi!

💵Just Funded💵
$175,000 Acquisition DSCR Loan on a Single Family Rental investment property in Selma, North Carolina! Pair of investors utilize a LLC to purchase this SFR to continue building a real estate portfolio of cash-flowing conservatively leveraged rentals!

💵Just Funded💵
$159,000 DSCR Loan on a Duplex in Salisbury, North Carolina! Salisbury is home to two historic colleges. Catawba College (founded in 1851) & Livingstone College (founded in 1879). + the famed cherry-flavored soda "Cheerwine" was introduced in Salisbury in 1917!

💵Just Funded💵
$125,250 Acquisition DSCR Loan on a duplex investment property in Burlington, North Carolina via @Zach Edelman! After executing on a cash-out refinance on an existing rental, this investor uses the freed up capital to expand the portfolio - adding a 2-unit!

[Robin Simon]

More North Carolina DSCR Loans funded by Easy Street Capital!

💵Just Funded💵
$165,000 Rate-Term Refinance Rental Property Loan on a cash-flowing duplex investment property in Salisbury, NC! Both units fully-rented at under-market rent - still qualifies with solid cash flow PLUS room to increase rents over time (30-yr fixed locked in🔒!)

💵Just Funded💵
$165,000 Rental Property Loan on an investment duplex (2⃣-unit rental) in Salisbury, North Carolina! Another DSCR Loan for this investor piling up multiple cash-flowing rental duplexes in Salisbury - building a cash-flowing portfolio!

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
$442,425 Acquisition DSCR Loan on a Short Term Rental investment condo unit in Emerald Isle, North Carolina! Emerald Isle is a town on Bogue Banks Island, part of North Carolina's Crystal Coast with access to the Atlantic Ocean!

💵Just Funded💵
$496,000 Purchase DSCR Loan on a Single Family Rental in Wilmington, North Carolina! Easy Street Capital continues to help real estate investors achieve financial freedom through real estate investing with DSCR Loans - only 20% Down and an unbeatable 7.375% interest rate!

💵Just Funded💵🧊BRRRR🧊
$208,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Charlotte, North Carolina! Investor scooped up this 1945-vintage property last year and has fully renovated back to "like-new" (per appraisal) condition - rented and refinanced!

[Robin Simon]

More Easy Street Capital North Carolina DSCR Loans!

💵Just Funded💵
$238,500 Asheville Acquisition DSCR Loan. A cash-flowing duplex, real estate investor takes the next step on the road to #financialfreedom with her second rental property. The property is located near downtown Asheville and should be a great rental for years to come! via @Zach Edelman

💵Just Funded💵
🌄Short Term Rental Loans🌄
$304,250 Acquisition DSCR Loan for a Short Term Rental purchase in Waynesville, North Carolina. Investing partners team up to buy a great vacation home near Asheville that should thrive under the hands of an experienced local operator. AirDNA projects $45k in annual earnings, making this a steal!

💵Just Funded💵
🌄Short Term Rental Loans🌄
💰Cash-Out Refinance💰
$277,500 Cash-Out Refinance on a Short Term Rental in Barnardsville, North Carolina in the Asheville, NC MSA. Great vacation spot for hiking and outdoor activities, area is known for Douglas Falls and Zipline Forest Adventures! via @Zach Edelman

💵Just Funded💵
💰Cash-Out Refinance💰
$720,000 Cash-Out Refinance DSCR Loan on a Duplex in Asheville, North Carolina! Diversified Real Estate Pro (Licensed Real Estate Agent, Property Manager and Investor in Rentals) takes big cash out of this rental to secure capital for upcoming opportunities!

💵Just Funded💵
$240,310 DSCR Loan for a SFR Acquisition in historic Hendersonville, North Carolina, 25 miles from Asheville. Savvy local borrower locked in a great price on the purchase and locked in 30-yr fixed rate financing to boot.

[Robin Simon]

More North Carolina Hard Money Loans and North Carolina DSCR Loans funded by Easy Street Capital!

💵Just Funded💵
🧊BRRRR Loans🧊
$945,000 Hard Money Loan for the first two stages of the BRRRR Method (Buy->Rehab->Rent->Refinance->Repeat) in Topsail Beach, North Carolina! Easy Street is a full-service flexible lender - able to close quick when needed renovations were discovered!

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
$483k acquisition loan with 30% down on a Short Term Rental in Surf City, North Carolina! Located in Sea Star Village, this property is the borrower's third rental, and features ocean views, private beach access and a spacious outdoor balcony

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
$453,750 Acquisition DSCR Loan on a condo beach house in Topsail Beach, North Carolina! Married couple borrows through an LLC/Trust structure to scoop up this short term rental investment property. Well-located on Topsail Island on Serenity Point!

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
💰Cash-Out Refinance💰
$1,332,500 Cash-Out Refinance DSCR Loan on a Short Term Rental investment property in Folly Beach, South Carolina! Consisting of five bedrooms and four and a half bathrooms this coastal STR was recently constructed and completed in 2023 - big CASH OUT!

💵Just Funded💵
🏖️Short Term Rental Loans🏖️
💰Cash-Out Refinance💰
🏖️AirBnBRRRR🧊
Big Time $1,068,750 Cash-Out DSCR Loan on a luxury short term rental palace in North Topsail Beach, North Carolina! An AirBnBRRRR 2.0 (custom construct/not rehab) execution, property is near the beach & in a great vacation market near major NC metros!

[Robin Simon]

More Easy Street Capital North Carolina Rental Property Loans! (DSCR Loans)

💵Just Funded💵
$375,200 Acquisition DSCR Loan for a Bread and Butter SFR acquisition in Durham, North Carolina. Borrower able to put 20% down to purchase his third investment property, steadily growing wealth.

💵Just Funded💵
$690,000 Cash-Out Refi DSCR Loan on a newly built (2023 vintage) Single Family Rental (+ADU) in Durham, NC! Investor created BIG value from the purchase of the land & construction of the property- now cashed-out while still cash flowing! Use ADU to make deals pencil!

💵Just Funded💵
$214,900 Cash-Out Refinance DSCR Loan on a Single Family Rental in Shelby, North Carolina! Tar Heel State real estate investor takes some capital out of this rental (one of five owned investment properties) for reserves, existing property improvements & to buy more!

💵Just Funded💵
$132,000 Refinance Rental Property Loan on a SFR investment property in Shelby, North Carolina! Shelby is the county seat of Cleveland County and served as the inspiration for the setting of the HBO hit series Eastbound & Down!

💵Just Funded💵
🧊Georgia BRRRR Loans🧊
200,000 Cash-Out Refinance DSCR Loan on a multi-unit (triplex) investment property in Greensboro, NC! Savvy real estate investor with multiple SFRs and multi-unit rentals thrives in this elevated rate environment with the BRRRR strategy / multi-unit strategy!

[Robin Simon]

Check out our Comprehensive Guides to Short Term Rental Investing in North Carolina Markets - Asheville and Charlotte!

Short Term Rental Loans Charlotte

Short Term Rental Loans Asheville

[Robin Simon]

More Easy Street Capital North Carolina Rental Loans (DSCR Loans)!

💵Just Funded💵
$129,000 Acquisition DSCR Loan on a Single Family Rental in Selma, North Carolina! Easy Street is your best bet for rural DSCR Loans - these borrowers able to secure strong terms (7.750% Interest Rate, Reduced Prepay) on financing this rental in rural NC!

💵Just Funded💵
$177,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Monroe, North Carolina! Prolific investor with a financial freedom family real estate portfolio of 10 properties taps cash out of this cash-flowing rental to reinvest capital into her portfolio!

💵Just Funded💵💰Cash-Out Refinance💰
$132,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Selma, North Carolina! Easy Street is a top provider of rental property loans - even on rural investment properties such as this one. Investors tap out equity to expand!

💵Just Funded💵
🏖️North Carolina Short Term Rental Loans🏖️
$656,250 Acquisition DSCR Loan on a short term rental in Emerald Isle, North Carolina! Just a stone's throw from the beach - this property is a perfect vacation rental for groups (4 bedrooms) and should perform admirably as a STR!

💵Just Funded💵
🏖️North Carolina Short Term Rental Loans🏖️
$725,000 acquisition financing (DSCR Loan) on a duplex in Emerald Isle, North Carolina. Beautiful Crystal Coast Short Term Rental added to a growing portfolio for this savvy North Carolina real estate investor