DSCR Rental Loans in North Carolina for Real Estate Investors
North Carolina continues to be one of the fastest-growing rental markets in the Southeast, with strong demand across cities like Charlotte, Raleigh, Durham, Greensboro, and Wilmington. Real estate investors throughout the state are expanding portfolios using cash-flow-driven financing structures rather than traditional income-based mortgages.
Grafton Funding provides DSCR rental loans in North Carolina designed specifically for non-owner occupied investment properties. Instead of qualifying based on personal income, DSCR loans focus on the rental performance of the property itself.
If you're building or refinancing a rental portfolio in North Carolina, our DSCR loan programs provide flexible, investor-focused financing solutions.
Visit our main DSCR Loans page to learn more about program structures and qualification criteria.
Why North Carolina Investors Use DSCR Loans
DSCR (Debt Service Coverage Ratio) loans are structured around property cash flow rather than borrower income documentation.
North Carolina investors choose DSCR financing because:
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No tax returns or W-2 income verification required
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Qualification based on rental income
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LLC vesting allowed and encouraged
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30-year fixed options available
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Scalable portfolio growth without traditional DTI limitations
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Financing available for 1–10 unit residential investment properties
This structure allows investors to expand across growing markets
throughout North Carolina.
North Carolina DSCR Loan Guidelines
Typical program parameters include:
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Minimum 1.0 DSCR ratio
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640+ credit score (varies by program)
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Up to 75–80% loan-to-value
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30-year fixed and adjustable options
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Prepayment options from 0–5 years
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Loan amounts starting at $75,000
Final terms vary based on property, borrower profile, and market.
Eligible Property Types in North Carolina
Our DSCR loan programs support:
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Single-family rental properties
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Duplexes, triplexes, and fourplexes
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5-10 Unit residential rental properties
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Long-term residential rental properties
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Stabilized investment properties
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Portfolio expansion transactions
We lend in major North Carolina markets including:
Charlotte
Raleigh
Durham
Greensboro
Winston-Salem
Wilmington
Asheville
Fayetteville
Jacksonville
And most other cities throughout the state.
Why Work With Grafton Funding in North Carolina
We specialize exclusively in investment property financing.
Our team structures DSCR rental loans nationwide, including throughout North Carolina’s expanding rental markets. Rather than forcing investors into rigid programs, we match financing solutions to your property strategy and long-term portfolio goals.
Whether you're acquiring a new rental property or refinancing an existing asset, we provide streamlined underwriting designed for real estate investors.
Frequently Asked Questions
Do you offer DSCR loans statewide in North Carolina?
Yes. We provide DSCR rental financing throughout most North Carolina markets.
Can I close in an LLC?
Yes. LLC ownership is permitted and encouraged for investment properties.
Do you use projected rent or current lease income?
Programs may use either current lease income or market rent analysis depending on the scenario.
Is this for primary residences?
No. DSCR loans are designed exclusively for non-owner occupied investment properties.