Charlotte Hard Money Loans for Real Estate Investors
Veteran-owned hard money — started in Ohio, now lending in Charlotte. Send us the deal and Tony reviews it personally.
Charlotte has been one of the fastest-growing metros in the country for a decade, and the investors who win here are the ones who can close on a distressed house before the retail buyers and the institutional funds get to it. HomeFund USA is a private hard money lender built by investors, for investors, funding fix-and-flip and BRRRR projects across Mecklenburg County and the surrounding Charlotte metro. We move fast so you do not lose a deal to a cash buyer — and we have already funded and been repaid on a Charlotte-area flip, so we know how a North Carolina closing runs.
We lend up to 70% of after-repair value (ARV) on non-owner-occupied, business-purpose deals, typically $50,000 to $500,000, funding both purchase and rehab. Low-doc and straightforward: send the deal and Tony King reviews it personally, with a clear term sheet and no junk fees. How it works in Charlotte: we fund the purchase at closing and the renovation in draws — you finish a stage of the work, we verify it, and that piece of the budget is released, so your contractors stay paid and the rehab keeps moving. Quick facts: veteran-owned · lending in Ohio, North Carolina and Pittsburgh · non-owner-occupied 1–4 unit and small multifamily · up to 70% of ARV · purchase plus rehab draws · low-doc.
Charlotte is a deep fix-and-flip and BRRRR market with strong rental demand and steady in-migration, from the close-in neighborhoods investors have been reworking for years — NoDa, Villa Heights, Belmont, Plaza Midwood, Wesley Heights, Enderly Park, Seversville and the west side — out to Gastonia, Concord, Kannapolis, Huntersville, Matthews, Mint Hill and the rest of the metro. Two things worth knowing about lending here: North Carolina closings run through a licensed closing attorney rather than a title company, and the security instrument is a deed of trust recorded with the Mecklenburg County Register of Deeds, so line your attorney up early and expect us to coordinate directly with that office. We underwrite to the deal, not a rigid checklist — the purchase price, a line-item scope, and an ARV basis you can defend are what move a Charlotte file to a term sheet.
Submit Your Deal for Fast Review
How fast can you close in Charlotte?
Once we have the purchase contract, rehab scope, and an ARV basis, simple deals can close fast. In North Carolina the closing attorney's timeline sets the pace, so send the executed contract, the itemized scope and your comps together and get the attorney engaged the same day — a complete file is what a fast Charlotte closing looks like.
What kinds of properties do you fund?
Non-owner-occupied 1 to 4 unit residential and small multifamily for fix-and-flip or BRRRR. Business-purpose loans only. In Charlotte that means the bungalows and ranches in the close-in neighborhoods, small multifamily near the light-rail corridors, and the older housing stock in Gastonia, Concord and Kannapolis that still prices well below retail.
Do I need perfect credit?
No. We are low-doc and focus on the deal: purchase price, rehab scope, and ARV. Expect us to ask for the purchase contract, a line-item scope of work, your comps or appraisal, your entity documents and a personal guaranty from the principal.