DSCR Financing in NC

DSCR Loans in North Carolina

Charlotte and Raleigh growth, Asheville mountain STRs, and Greensboro cash flow. North Carolina is one of the most complete DSCR markets in the Southeast.

Local Market Context

Investor Markets in North Carolina

Charlotte

Major SFR and build-to-rent market with strong job growth and steady appreciation.

Raleigh / Durham

Research Triangle tech and university employment driving tight rental demand.

Greensboro

Affordable Triad cash-flow market with stable tenant base.

Asheville

Mountain STR market with strong tourism and AirDNA support.

Wilmington

Coastal rentals and STRs with hurricane-insurance considerations.

Common Properties

What Investors Finance in North Carolina

✓Charlotte SFRs and build-to-rent inventory
✓Raleigh-Durham professional rentals
✓Greensboro and Winston-Salem cash-flow SFRs
✓Asheville mountain STRs
✓Wilmington and OBX coastal STRs
✓Section 8 inventory in Greensboro and Fayetteville

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in North Carolina

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

80% cash-out can be available in North Carolina. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.

North Carolina DSCR FAQ

Does Get Brick Capital offer DSCR loans in North Carolina?

Yes. North Carolina is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in North Carolina?

Yes. Program 7 can be available in North Carolina for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your North Carolina DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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