Investor journal
Investment Property Financing in North Carolina
A practical North Carolina investor guide to rental, renovation and bridge financing, supported by Curlee’s confirmed lending-state availability.
North Carolina is a confirmed service area
Curlee reviews investment-property financing in North Carolina from its Austin base. This guide describes available program categories; it does not claim a local office, a past closing or a new expansion date.
Match the loan to the property plan
For a renovation and sale, begin with purchase cost, scope and comparable-supported ARV. For a longer hold, start with rent and the debt payment. A timing gap may call for bridge financing.
Prepare local evidence
Include property location, rent or sold comparables, taxes, insurance and a realistic exit. State availability alone does not guarantee a specific property, rate or leverage. Ask for a written term sheet.
Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor.
DSCR Rental: published program terms
| Term | 30-year fixed, 5/1 and 7/1 ARM available |
|---|---|
| Rate | Call for today's pricing |
| Max LTV | Up to 75% LTV. Your exact limit depends on credit profile and property type — single family, condo, or 2–4 units — and is confirmed by your Deal Advisor. |
| Minimum DSCR | 1.0 (sub-1.0 considered case by case) |
| Minimum FICO | 660 |
| Minimum asset value | $100,000 |
| Income verification | None — property cash flow only |
| Entity | LLC or personal, unlimited properties |
| Prepayment | Step-down options, including zero-prepay pricing |
The big platforms qualify properties. We fund investors.
Pre-approval in minutes. No hard credit pull. A real underwriter on the other end.
Pre-approval is an estimate based on the information provided and is not a commitment to lend.