NORTH CAROLINA
INVESTMENT PROPERTY LOANS

Easy Street Capital is proud to be a leading private lender for The Tarheel State! We offer industry leading Hard Money and DSCR Loans for every type of North Carolina Real Estate Investor. Easy Street Capital is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies such as Short Term Rentals, Fixing and Flipping and the BRRRR Method! Our North Carolina DSCR Loans are perfect rental loans for the long-term real estate investor looking for cash flow. Our North Carolina Hard Money Loans are ideal for renovators looking to add value through rehabs or ground-up construction!

Check out the rest of this North Carolina Investment Property Loans page for all the information you need on our loan programs. Check out recently funded rental loans, information on all of our loan programs, FAQs, market analysis and more! To talk to one of our North Carolina Rental Loan specialists today, click the link below!

Program Terms

Rates starting at 8.90%
Up to 93% LTC / 75% LTV
48 Hour Closes!

EasyFix Term Sheet

Program Terms

Rates starting at 5.75%
Up to 80% LTV
No minimum DSCR!

EasyRent Term Sheet

Program Terms

Rates starting at 9.90%
Up to 90% LTC / 75% LTV
Fastest draws in the industry!

EasyBuild Term Sheet

Recommended Partners - North Carolina

Property Management
Doss & Spaulding Properties

Headquartered in Greensboro, North Carolina, Doss & Spaulding is founded by licensed agents and experienced real estate investors. They feature marketing, tenant screening and management services and have an easy-to-use website portal for investors and tenants alike. Specializing in North Carolina’s “Piedmont Triad” – we recommend investors (both local and out-of-state) work with Doss & Spaulding to manage their prized rental properties.

Real Estate Agent

Coming soon.

Investment Property Loans Resources

Real Estate Investor Loans Explained: Fix & Flip, DSCR, and Ground-Up Construction Financing Compared

Financing is one of the most important tools a real estate investor can use to move quickly, scale efficiently, and capture opportunities in any market. The right loan can support a project from acquisition to exit, strengthen returns, and give investors the confidence to take on more deals. As investor activity continues to grow ...

DSCR Loan Cash-Out Refinance Guide

One of the best hidden hacks in building wealth through real estate many investors don’t know about are DSCR Loan cash-out refinances. While some people may know about cash-out refinances for tapping equity in their home, many people, including seasoned real estate investors, don’t know you can cash-out refinance a rental property too! ...

How DSCR Loans Boost BRRRR Success

In real estate investing, the BRRRR Method—buy, rehab, rent, refinance, repeat—is a powerful strategy for building wealth through rental properties. However, as many investors discover, the refinance step can make or break the entire process. Traditional lenders often create roadblocks with extensive paperwork and strict personal income requirements, which tie up your money and slow down ...

DSCR Loans Guide 2025: Everything You Need to Know About DSCR Loans!

Easy Street Capital is America’s leading DSCR Lender. With over $500,000,000 across more than 1,500 DSCR loans funded in the last two years, we have helped real estate investors across the country achieve financial freedom through this popular loan product. DSCR Loans allow real estate investors to qualify with no W2, no tax returns and ...

Mid Term Rentals Investor Strategy Guide 2025

Are you interested in 2025’s hot new real estate investing strategy of mid term rentals (or also commonly referred to as “medium term rentals”) but unsure about where to start or how to maximize your investment? Look no further! Our comprehensive Mid Term Rentals Investor Guide 2025 is here to provide you with the latest ...

Best Cities for BRRRR Strategy Investing in 2025

When it comes to the best markets for the BRRRR Strategy in 2025, investors have to evaluate multiple factors. If you’re considering the BRRRR Method (Buy, Renovate, Rent, Refinance, Repeat) in 2025, you’re in luck! As one of the top providers of BRRRR Loans in the United States, uniquely positioned as both a hard money ...

North Carolina Fix and Flip Loans

Why do North Carolina real estate investors use hard money loans?

What are some of the advantages of using Easy Street Capital for my Fix and Flip Loan?

Easy Street Capital offers real estate investors a major advantage with fast, flexible, and dependable financing designed specifically for North Carolina investment properties. As a direct private lender, we provide quick decisions, consistent underwriting, and competitive leverage across fix and flip, DSCR rental, and new construction loans. Borrowers choose Easy Street for our speed—often closing in days rather than weeks—along with responsive communication, in-house draw management, and loan programs built to support both new and experienced investors. Whether you’re scaling a rental portfolio or funding your next project, Easy Street Capital delivers a smoother lending experience from initial quote to final payoff.

Are there minimum credit requirements to obtain a Fix and Flip loan in North Carolina?

What are your terms?

How much down payment is required?

Will you lend money for the renovation?

Do you charge prepayment penalties?

How quickly can you close?

North Carolina DSCR Loans

What are current rental property loan rates?

DSCR loan interest rates on North Carolina Rental Properties start at 5.75%. The rate offered will depend primarily on three factors; your credit score, the DSCR ratio and the LTV ratio. Additional factors include also determine the rate include loan structure, prepayment penalty terms and loan purpose, more advanced analysis of how to get the lowest rate are included in this article. In addition, borrowers can pay more “points” or higher closing fees to lower or “buy down” the interest rate on a rental property loan.

What are the minimum and maximum loan amounts for a Rental Loan from Easy Street Capital?

What is the minimum down payment if I am purchasing a property?

Does Easy Street Capital offer vacation rental loans?

Yes – our rental loans can finance all sorts of investment property strategies in North Carolina, including long-term rentals, medium-term rentals and vacation rentals. Not only are vacation rentals eligible, but Easy Street Capital is a leader in financing vacation or short term rental loans with qualifying rental income from sources such as AirDNA and full eligibility in seasonal vacation markets. Check out our free STR Revenue Estimator Tool here!

NORTH CAROLINAINVESTMENT PROPERTY LOANS

Program Terms

Program Terms

Program Terms

Recommended Partners - North Carolina

Real Estate Agent

Investment Property Loans Resources