© WHERE WE LEND FAYETTEVILLE · NC
HARD MONEY LENDER FAYETTEVILLE, NC
A direct lender for Fayetteville deals that banks will not touch, priced on the asset, not the paperwork.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Fayetteville's market is shaped by Fort Bragg next door, which keeps a large rental population moving in and out of Cumberland County on orders rather than on market cycles. Haymount holds the older character housing above downtown, the Hay Street corridor carries the commercial redevelopment, and the subdivisions ringing the city supply most of the rental inventory.
Fayetteville is one of the North Carolina markets Loan Goat lends in year round. Cumberland County files and deals in Cary, Raleigh and Durham are underwritten identically, on value, exit and the plan for the property.
The whole point of a private lender is that the deal decides the answer. On Fayetteville property that means value, exit and plan, reviewed by the same desk that releases the funds. Veteran-owned, in business since 2022, 1.3K+ loans closed.
© THE COST FAYETTEVILLE · NC
WHAT DO FAYETTEVILLE HARD MONEY LOANS COST
Pricing a Fayetteville deal is straightforward. Bridge runs from 9.00% to 13.00% and moves with leverage and risk. Ask for more of the purchase price and the rate moves up; bring a stronger exit and it moves down. Residential bridge goes to 75% LTV and commercial to 70%.
Every quote is written before an appraisal is ordered, so a Fayetteville investor knows the rate, the leverage, the term and the fees while there is still time to walk. No prepayment penalty on the bridge programs means a flip that sells in four months costs four months of interest, not twelve.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
The ranges above are what is actually available. Send the Fayetteville address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT FAYETTEVILLE · NC
WHY LOAN GOAT IN FAYETTEVILLE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A private lender earns its rate by being fast and being sure. On Fayetteville property that shows up as a written quote the same day, an appraisal ordered only once the terms are agreed, and a wire inside a week. The rate buys the speed and the certainty.
Brick ranches from the 1960s and 1970s, vinyl-sided tract homes from the 1980s onward, duplexes and fourplexes built for transient tenants, and small garden apartment complexes off the main roads. That stock is exactly what the bridge and fix and flip programs are built for.
Buy-and-hold rentals aimed at military and contractor tenants define the market, with duplex and fourplex buys for unit count and turnkey purchases for out-of-state owners. Cosmetic flips work where subdivisions have aged. The program follows the plan, not the other way round.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
FAYETTEVILLE DEALS, FUNDED FROM SAN DIEGO.
Cumberland County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS FAYETTEVILLE · NC
MOST COMMON FAYETTEVILLE LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Fayetteville replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Fayetteville auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Fayetteville real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Cumberland County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Cumberland County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Fayetteville investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Cumberland County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Fayetteville whose write-offs make a bank file impossible.
- VACATION RENTAL Fayetteville vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Fayetteville who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN FAYETTEVILLE
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES FAYETTEVILLE · NC
PROPERTY TYPES WE FINANCE IN FAYETTEVILLE
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Fayetteville, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Fayetteville bridged to an SBA or conventional exit.
- LAND Entitled and unentitled parcels around Fayetteville on the land program.
- AGRICULTURAL Agricultural land and operations outside Fayetteville underwritten on the asset.
- CANNABIS Cannabis-use property in Fayetteville where conventional lenders will not participate.
- AUTOMOTIVE & GAS STATION Cumberland County fuel and automotive sites, purchase and refinance.
© THE APPROACH FAYETTEVILLE · NC
HOW WE LEND IN FAYETTEVILLE
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Fayetteville borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
FAYETTEVILLE BORROWERS, IN THEIR WORDS
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This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ
© QUESTIONS FAYETTEVILLE · NC
FAYETTEVILLE HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Fayetteville and across Cumberland County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Fayetteville files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Fayetteville deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Cumberland County. Owner-occupied has its own program. If the Fayetteville asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, military-tenant rentals are ordinary business. Loan Goat funds DSCR rental loans, bridge loans and small multifamily financing on non-owner-occupied property in Fayetteville and across Cumberland County, the duplex and fourplex stock near Fort Bragg included. Qualification runs on rent and value, so an out-of-state owner with a good deal is judged like a local one.
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Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND FAYETTEVILLE · NC
FAYETTEVILLE, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE FAYETTEVILLE · NC
SUBMIT A LOAN REQUEST
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(619) 617-2797
