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Hard Money Lenders Charlotte

Charlotte Hard Money Loans for Fix and Flips, DSCR Rentals, and Ground Up Construction

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Charlotte, NC

Fix & Flip Loan

Sample Deal

Loan Amount $388,450

82% of Purchase + 100% of Rehab

Rate: 10.99%
12 Months

Points: 2.25%
11 Days to Close

Featured In

Why We’re The Best Hard Money Lender In Charlotte

We pride ourselves on being one of the best investment property lenders in Charlotte for Fix and Flips, Ground-Up Construction, Rentals, and Multifamily investments.

Competitive Terms

We provide competitive Terms on Charlotte investment property loans. Charlotte Fix and Flip Loan rates range from 10.5%-11.5% and Origination Fee from 1.5%. DSCR Loan Rates range from 6.0% to 7.99% and Origination Fee from 0%.
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See our Loan Products Section for a detailed pricing breakdown of each Charlotte loan product.

Simple Online Application

Real Estate investors can apply online, get pre-approved, or schedule a call in 2 minutes. Working with Ridge Street is simple and fast.

Start your simple online application today. Learn More

Quick Turn Around

Our team is always available to take your call. If you submit a Quick Application or a Pre-Approval Application we’ll get back to you within 1 business hour.

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Reliable Financing

Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.

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Charlotte Hard Money Loan Products

We provide fast and fairly priced Fix & Flip, DSCR and Construction Loans to local investors in the Charlotte area.

Charlotte Fix and Flip Loan

Funding For Rehab + Purchase

$50,000 up to $3,000,000

Interest Rate 10.5%-11.5%

Origination Fee From 1.5%

Up to 90% of Purchase and 100% of Rehab

Fix and Flip Loans For Beginners Allowed

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Get Approved Online

Charlotte DSCR Loan

30 Year DSCR Loans For Rental Properties

Up to $2,000,000

Interest Rate 6.0%-7.99%

Origination Fee From 0%

Up to 80% of LTV

Airbnb Loans and Long-term Rentals

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Get Approved Online

Ground Up Construction

For New Builds and Construction Completion

Up to $3,000,000

Interest Rate 10.99%-12.25%

Origination Fee From 1.5%

Up to 75% of Purchase and 100% of Construction

Up to 90% LTC

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Get Approved Online

You’re Local In Charlotte, You Want A Lender Who Knows The Charlotte Market

Understanding the Houston market

Charlotte, NC, is one of the Southeast's fastest-growing real estate investment markets, underpinned by its position as a major financial hub with Bank of America and Wells Fargo maintaining large footprints in the city. Population growth and a consistent influx of corporate relocations sustain housing demand across the metro. Neighborhoods like NoDa, Plaza Midwood, and Belmont offer strong fix-and-flip margins with buyers willing to pay for quality renovations. For new construction, growing suburbs including Mooresville and Huntersville provide accessible land acquisition costs and reliable end-buyer demand from families entering the Charlotte market.
As a trusted lender, Ridge Street Capital is dedicated to providing flexible financing solutions to help real estate investors succeed in North Carolina's dynamic market.

Experience Boost Program for local real estate investors

If you have local fix and flip or ground-up construction experience in Mecklenburg County within the last 3 years, we’ll increase your leverage on our hard money loans for fix and flips.

Charlotte Experience Boost Program Summary

The purpose of the local experience boost program is to give investors with local experience and good credit a 5% increase in leverage:

If you have 1 Experience In Mecklenburg County with a successful exit, we may increase your leverage to 85% of the purchase + 100% of the rehab.
If you have 3 Experiences with 1 in Mecklenburg County, we may increase your leverage to 90% of purchase + 100% of Rehab.
Any investors with 5+ experiences in the last 3 Years and 680+ credit, automatically qualify for 90% of Purchase + 100% of rehab.

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Charlotte Hard Money Loan process

Our lending process for Charlotte investment properties is simple and quick. Ridge Street closes loans in as little as 7 business days.

Apply Or Get Pre-Approved Online

~ 2mins

Fill out a 2 Min Quick App with info about your Charlotte based project. We need some preliminary information so that we can accurately evaluate your deal.

If you’re looking to be pre-approved so that you can find your next deal or you’d like to get more info from on of our team members, select an option below.

Request A Term Sheet | Get Pre-Approved | Schedule A Call

Receive Your Term Sheet

~ 2mins

Once we have your completed application, we’ll email you the term sheet and give you a call to provide confirmation.

Hard Money Loan Process Step 3 Container

Submit Docs

~ 1-3 days

Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin underwriting the loan. We have a low document program with no income statement documentation.

Appraisal or BPO

~ 2-7 days

Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days.

Hard Money Loan Process Step 5 Container

Closing

~ 1-2 days

Once we have the completed document package, we'll schedule your closing within 1-2 business days.

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Featured Charlotte Hard Money Loan

Location

Loan Type

Loan Amount

LTV %

Rate

Points

Charlotte Deal Summary

Ridge Street Capital financed a fix and flip in the Plaza Midwood neighborhood of Charlotte for an experienced investor targeting a postwar bungalow with strong resale comps. The loan covered 82% of the purchase price and 100% of the renovation costs, structured at 10.99% interest-only for 12 months with 2.25% origination points. The borrower completed a comprehensive renovation, opening the floor plan, updating the kitchen and bathrooms, and improving curb appeal. The property sold above the projected ARV in under 45 days, demonstrating the strength of buyer demand for renovated homes in Charlotte's urban core.

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Frequently Asked Questions on Hard Money Loans

How do I qualify for a hard money loan in Charlotte?

To qualify for a hard money loan in Charlotte with Ridge Street you need:

A Credit Score of 660+
A profitable deal with at least a 10% ROI
An LLC or a Corporation Registered In NC

What types of properties can I finance with a hard money loan in Charlotte?

Ridge Street finances the following property types:

Residential 1-4 Units
Multifamily 2-4 Units

What are the interest rates and terms for hard money loans in Charlotte?

Depending on the sponsors experience and credit profile, rates range from 10.5%-11.5%. Ridge Street’s median rate for a hard money loan on a fix and flip in Houston is 10.75% interest only with no pre-payment penalty.

How fast can I get a hard money loan in Charlotte?

Ridge Street closes hard money loans in as little as 7 business days.

Are there any state-specific regulations for getting a hard money loan in Charlotte?

Yes. In Charlotte, hard money loans are governed by North Carolina state laws, which generally exempt commercial and business-purpose real estate loans from strict usury (interest rate) caps, provided the loan is over $25,000. However, individual lenders must still comply with the NC Secure Fair Enforcement (SAFE) Mortgage Licensing Act, meaning they often require specific licensing unless they strictly lend to corporate entities (LLCs) rather than individual consumers. To ensure compliance, borrowers should always confirm their lender is registered with the North Carolina Commissioner of Banks (NCCOB).

Can I use a hard money loan to finance a fix and flip in Charlotte?

Absolutely. This is the main use of a hard money loan in Charlotte.

What is the loan-to-value (LTV) ratio for a hard money loan in Charlotte?

There are a number of ratios that Ridge Street uses to determine the Loan Amount. Put simply, for a first time investor we finance up to 80% of the Purchase + 100% of the Rehab. For an experienced investor, we finance up to 90% of the Purchase + 100% of the Rehab.

Can I use a hard money loan to finance a rental property in Charlotte?

You can use a hard money loan to purchase and renovate a rental property. You can then refinance with a DSCR Loan (This is called the BRRRR Strategy). If the property is rent ready at purchase, there is no need for a hard money loan and you can go straight into DSCR financing.

Interested In Working With Us?

We work with real estate investors across the country every day. How can we help?

Active Deal

I have an active deal and would like a Term Sheet.

Term Sheet

Pre-Approval

I’d like to to get pre-approved so I can find my next deal.

Pre-Approval

Schedule A Call

I’d like to schedule a call.

Schedule Call

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