© WHERE WE LEND SAN DIEGO HQ · NORTH CAROLINA
HARD MONEY LENDER NORTH CAROLINA
Loan Goat funds real estate investors in Charlotte, Raleigh and Durham with in-house capital and quick closings.
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
Loan Goat lends across North Carolina: Charlotte, Raleigh, Durham, Cary, Greensboro, Winston-Salem, High Point, Fayetteville and Wilmington. Our borrower is the investor, never the homeowner. The flipper turning a ranch in Mecklenburg County, the landlord buying rental doors in Wake County, the builder putting up infill in the Triad. Business-purpose money on non-owner-occupied property, funded directly by the people who decide it.
Three markets carry this state. The Charlotte metro grows on banking and distribution, with brick ranch and split-level stock inside the loop and new construction pushing outward. The Triangle pulls research and university money through Raleigh, Durham and Cary. The Triad holds Greensboro, Winston-Salem and High Point, older and cheaper, excellent for buy-and-hold. Wilmington and the coast live on short-term rentals.
Our only office is in San Diego, and we lend in North Carolina as readily as we lend in California. No local branch is necessary when the capital is in-house and approval sits with one person. You send the deal, you get a real answer, and closings run 5 to 7 days. Fayetteville, Cary or Charlotte, the process does not change.
North Carolina investors buy postwar brick ranch homes, mid-century splits and mill-era cottages, then flip them or rent them. Durham buyers chase student and hospital demand around Duke. Raleigh and Cary favor newer suburban product and build-to-rent. Greensboro, High Point and Winston-Salem trade on furniture-era and textile-era housing near UNC Greensboro and Wake Forest. Wilmington investors work beach-adjacent rentals and historic downtown stock.
© NORTH CAROLINA LOCATIONS SAN DIEGO HQ · NORTH CAROLINA
EXPLORE OUR NORTH CAROLINA LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Charlotte Mecklenburg County, out to Rock Hill, High Point, Winston-Salem.
- Raleigh Wake County, out to Cary, Durham, Fayetteville.
- Greensboro Guilford County, out to High Point, Winston-Salem, Durham.
- Durham Durham County, out to Cary, Raleigh, Greensboro.
- Winston-Salem Forsyth County, out to High Point, Greensboro, Charlotte.
- Fayetteville Cumberland County, out to Cary, Raleigh, Durham.
- Cary Wake County, out to Raleigh, Durham, Fayetteville.
- Wilmington New Hanover County, out to Fayetteville, Raleigh, Cary.
- High Point Guilford County, out to Greensboro, Winston-Salem, Durham.
© THE COST SAN DIEGO HQ · NORTH CAROLINA
WHAT DO NORTH CAROLINA HARD MONEY LOANS COST
A North Carolina quote is built from the deal, not from the state. Bridge from 9.00% and up to 75% LTV on residential, 70% on commercial, one or two year terms and closings in 3 to 14 days. Every one of those is published, not negotiated in the dark.
Terms are written before an appraisal is ordered, which lets a North Carolina investor underwrite the lender before spending money on third-party reports. Nothing is re-traded at the table.
| 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.
© WHY LOAN GOAT SAN DIEGO HQ · NORTH CAROLINA
WHY LOAN GOAT IN NORTH CAROLINA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A bank will spend weeks deciding whether you personally deserve the loan. We decide whether the property does. On a Wake County contract with a tight closing date, that is the difference between owning the asset and watching someone else own it. Bridge from 9.00%, up to 75% LTV, minimal documentation, and no prepayment penalty if you finish the flip ahead of plan.
Every program we run fits something here. Fix and flip for the Winston-Salem cottage, construction for the Cary infill lot, DSCR rental for a Fayetteville hold near the Army post, commercial for the Greensboro warehouse, blanket loans once your Triad portfolio grows past a single file. Bridge, second and third mortgages, owner occupied and bank financing round out the nine.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
NORTH CAROLINA, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. North Carolina files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN NORTH CAROLINA
Nine programs run in North Carolina. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.
- 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
© THE APPROACH SAN DIEGO HQ · NORTH CAROLINA
HOW WE LEND IN NORTH CAROLINA
Every program we run fits something here. Fix and flip for the Winston-Salem cottage, construction for the Cary infill lot, DSCR rental for a Fayetteville hold near the Army post, commercial for the Greensboro warehouse, blanket loans once your Triad portfolio grows past a single file. Bridge, second and third mortgages, owner occupied and bank financing round out the nine.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
NORTH CAROLINA BORROWERS, IN THEIR WORDS
-
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES
© QUESTIONS SAN DIEGO HQ · NORTH CAROLINA
NORTH CAROLINA HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
-
Loan Goat funds business-purpose real estate loans across North Carolina, including Charlotte, Raleigh, Durham, Cary, Greensboro, Winston-Salem, High Point, Fayetteville and Wilmington. We are a direct private lender with in-house capital and one decision maker, so the terms you hear are terms that hold. Bridge, fix and flip, construction, DSCR rental and commercial are all open. Call (619) 617-2797 with an address.
-
Standard closings run 5 to 7 days and a clean bridge file can fund in as fast as 3 days. Mecklenburg County moves quickly and sellers pick the buyer who can perform, so speed is the entire point. We underwrite the house and the exit, not your employment history. Send the address, the purchase price and the rehab budget to get started.
-
DSCR rental is built for Raleigh, Durham and Cary holds where the rent carries the debt and your personal income is beside the point. Wake County and Durham County single-family and small multifamily both qualify, and blanket loans let you group several doors into one facility. No prepayment penalties, so refinancing later never costs you an exit fee.
-
Short-term rentals in New Hanover County are non-owner-occupied and business-purpose, which sits right in the middle of our lending. Beach-adjacent houses and historic downtown properties both work, on bridge for the buy and reposition or DSCR rental once the property is producing. We underwrite the asset, so uneven seasonal revenue is not the roadblock it becomes elsewhere.
-
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
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 -
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
© WHERE WE LEND SAN DIEGO HQ · NORTH CAROLINA
NORTH CAROLINA, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · NORTH CAROLINA
SUBMIT A LOAN REQUEST
Please fill the form below and a lending advisor from our firm will reach out.
Or just give us a call now
(619) 617-2797
