North Carolina Hard Money Lender

If you’re anxious to invest in profitable opportunities in North Carolina, Do Hard Money is pleased to offer direct funding to help your investments prove successful.

Do Hard Money will approve your asset-based loan completely by assessing the property not you as the borrower. A true hard money lender will base your loan approval on the investment property and the overall quality of the deal. Once we’ve evaluated the property, the LTV (loan to value) ratio of the deal will determine your loan amount. This loan amount, combined with our gap funding resources, can make it possible for you to get 100% Financing on your deal.

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Awesome customer support. This is the first time I have ever done anything with the real estate market. has been very kind, answering all of my non-stop questions and helping me get through my first deal.

Tanner A, Jacksonville, NC

Loan Terms

Due to excellent market conditions, we are able to offer state-specific loan terms for the state of North Carolina.

100% Financing

If your deal is good enough we will cover 100% of the purchase price, rehab, and closing costs, points & interest.

LTV Basis

Our max loan amount is based on the after repair value, not the current value or purchase price. If the numbers line up, we will fund it.

Maximum LTV

We lend up to 70% of the ARV. We will fund everything but earnest money as long as it fits within 70% of the ARV.

Max Loan Amount

Our max loan amount is $250,000. For the markets we currently lend in, we’ve found this to be the sweet spot for real estate investing.

Minimum ARV

Our minimum ARV to lend on a property is $75,000. If it’s less than that there is just not enough profit to make it worth the effort for either party.

Multiple Deals

Yes. We allow you to do 3 deals at a time, enabling you to stay busy and rake in even more profit at a faster pace.

Interest Rate

Our interest rates of 1.25 – 1.50% per month fall pretty middle of the road. We are not the cheapest, nor the most expensive, but our 100% financing options allow you to leverage our money.

Origination Points

We take on significant risk in offering 100% financing and our points of 5.5% – 6.5% is what keeps us in business.

Max Loan Term

The default loan term is set at 5 months, but we do allow up to three 1-month forbearance payments equal to 1.0% of the loan if you need more time.

Monthly Payments

With no monthly payments during the initial loan term you can focus 100% of your time on rehabbing and selling the property.

Minimum Credit

None. A bad credit score will affect your points and interest, but because we lend on the property’s after repair value it won’t keep you from getting a loan

Min Cash-to-Close

We do not require a down payment on the property. If everything fits in 70% of the ARV you can come to the closing table with $0.00.

Pre-Pay Penalty

With no pre-payment penalty, fixing and flipping the property in a shorter amount of time can only deepen your pockets.

Required Experience

Many other lenders either won’t lend to you or will jack up their prices unless you have prior experience, but we’re all making profitable real estate investing accessible to anyone.

Gap Financing

We allow gap financing in the form of business lines of credit to help with cash-to-close when everything doesn’t fit in 70% of the ARV and we can help you get up to $100,000 in as little as 30 days.

Foreclosure Protection

Nobody else looks out for you like we do. We offer proprietary protection that nearly precludes the possibility of a foreclosure on your records even in the worst-case scenario.

Refinancing Available

Yes. With traditional lenders limited to strict loan parameters, we focus on equity over borrower financials. This gives you the liquidity needed for your individual situation.

Full Disclosure

Unlike a lot of other lenders who hide the full cost of the loan until it’s too late… we want you to know what you’re getting into and disclose ALL costs upfront.

Recently Funded Deals

North Carolina Real Estate Market Statistics (2015)

The epitome of Southern charm, North Carolina is a beautiful state sporting both the Appalachian Mountain range and a gorgeous Atlantic coastal plain. North Carolina has both great natural beauty and intriguing history, as Blackbeard’s ship the Queen Anne’s Revenge wrecked along the state’s coast in 1718. Home flips in North Carolina have become more popular, rising 7% in the past year. North Carolina is currently the hotbed of real estate success. According to the Wells Fargo Economic Outlook, “Charlotte and Raleigh lead the state in home appreciation and sales volume from 2010 to the current date.” The healthy housing market is attracting young professionals and family demographics and as a result, investments in North Carolina hold a proven track record for success.

Housing Units
Number of Flips
% Change in Flips

Purchase Price

National Average: $294,600
North Carolina Metro Areas: $197,025

Gross Margin

National Average: $55,000
North Carolina Metro Areas: $42,750

Number of Houses Flipped

National Average: 179,778
North Carolina Metro Areas: 8,891

% Change in Houses Flipped

National Average: 0.2%
North Carolina Metro Areas: 7%

About Hard Money Loans in North Carolina

If you know that a burger “all the way” means chili, slaw, mustard and onions, youre probably from North Carolina. Likewise, if you know that bridge loans, private money loans and hard money loans are all the same type of loan, then youve probably been around the block with real estate investing.

DoHardMoney is a true hard money lender. That means we lend solely on the profit potential of the subject property. We investigate the deal, never the borrower. We dont even check your credit score to approve your loan. If the deal is good, our money is all yours.

For North Carolina investment properties, well lend up to 65% of the after repair value of the property. 70% if your deal is a super deal. However the numbers fall, we can help you cover the gap in that loan to value ratio by 100% financing your deal with our gap funding options.

Come to us when you need North Carolina hard money loans for your residential rehab or home refinance.

Real Estate Investing in North Carolina

In addition to living through Hurricane Ivan, North Carolina REIs have also lived through . . . no, beaten into submission the recession market. Real estate investing markets are still going strong in NC, but the states overall population and economic growth continues to power on as well.

We lend our lending services for fix and flips and other investment deals in the following high performance North Carolina cities and counties:

Albemarle, Almance County, Apex, Archdale, Asheboro, Asheville, Belmont, Black Mountain, Boone, Brevard, Burlington, Carrboro, Cary, Chapel Hill, Charlotte, Christmas Town, Clayton, Clemmons, Clinton, Concord, Conover, Cornelius, Cumberland County, Davidson, Dunn, Durham, Eden, Elizabeth City, Elon College, Fayetteville, Forest City, Forsyth County, Fort Bragg, Garner, Gastonia, Goldsboro, Graham, Greensboro, Greenville, Guilford County, Hamlet, Havelock, Henderson, Hendersonville, Hickory, High Point, Holly Springs, Hope Mills, Huntersville, Indian Trail, Jacksonville, Jones County, Kannapolis, Kernersville, Kings Grant, Kings Mountain, Kinston, North Carolina, Laurinburg, Lenoir, Lewisville, Lexington, Lincolnton, Lumberton, Masonboro, Matthews, McAdenville, Mebane, Mint Hill, Monroe, Moore County, Mooresville, Morehead City, Morganton, Mount Airy, Mount Holly, Murraysville, Myrtle Grove, New Bern, Newton, Oak Island, Onslow County, Oxford, Pinehurst, Piney Green, Raleigh, Reidsville, Roanoke Rapids, Rockingham, Rocky Mount, Roxboro, Salisbury, Sanford, Siler City, Smithfield, Southern Pines, Spring Lake, St. Stephens, Statesville, Summerfield, Tarboro, Thomasville, Trinity, Wake County, Wake Forest, Washington, Waynesville, Weddington, Wilmington, Wilson, Winston-Salem and many more.

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