Does Grafton Funding offer DSCR loans for rental properties?

Yes — DSCR (Debt Service Coverage Ratio) loans are our most popular product. We lend on single-family rentals, 2–4 unit properties, short-term rentals (like Airbnb and VRBO), and small multifamily up to 10 units. We qualify the property on its rental income rather than your personal income or tax returns. Minimum DSCR is typically 1.0x, and we lend in TX, FL, GA, NC, SC, and other states.

Does Grafton Funding do fix and flip loans or bridge loans?

Yes. We provide fix and flip loans and bridge loans for non-owner occupied investment properties. Our programs cover the purchase price plus rehab costs, with fast closings. Loan terms are short-term (typically 12–18 months) and are designed around the investor's exit strategy — either sale or refinance.

Can I get a DSCR loan for an Airbnb or short-term rental property?

Yes — we specialize in short-term rental (STR) financing. We use either the property's actual Airbnb or VRBO income history or a market-rate STR income estimate to qualify the loan. You don't need W-2s or tax returns.

Does Grafton Funding offer new construction loans for investment properties?

Yes. We offer new construction loans for non-owner occupied residential investment properties, including spec builds, ground-up construction, and lot + build projects. These are short-term loans that fund in draws as construction progresses.

Does Grafton Funding lend in North Carolina?

Yes — we actively lend in North Carolina, including the Charlotte metro, the Triangle (Raleigh/Durham/Chapel Hill), Wilmington, and Asheville. We offer DSCR rental loans, fix and flip loans, and new construction financing for NC investment properties. Local NC line: (910) 218-1286.

Can I qualify for a loan without showing tax returns or personal income?

Yes — our DSCR loans are underwritten based on the property's rental income, not your personal income or tax returns. This makes them ideal for self-employed investors and business owners. We do require a credit check and down payment, but there's no traditional income verification.

What credit score do I need to get a loan from Grafton Funding?

For most DSCR rental loan programs, we generally look for a minimum credit score in the 660–680 range, though this can vary by program and loan-to-value. Fix and flip loans may have different requirements depending on experience and deal strength.

How much do I need to put down for a DSCR loan?

For DSCR rental loans, we typically lend up to 75–80% loan-to-value (LTV), meaning you'd need 20–25% as a down payment. The exact LTV depends on the property type, DSCR ratio, and your credit profile. We lend exclusively on non-owner occupied investment real estate.

How quickly can Grafton Funding close a loan?

Many of our transactions close in 2–4 weeks depending on the loan type, property, and how quickly documentation is provided. We prioritize responsive communication and efficient underwriting for investors who need to move fast on deals.

Does Grafton Funding work with first-time real estate investors?

Yes — we work with both new and experienced investors. For DSCR rental loans, first-time investors are welcome as long as the property cash flows and the borrower meets our credit and down payment requirements. For fix and flip loans, some experience is preferred but not always required.

Fix & Flip Loans in North Carolina for Real Estate Investors

Q: Do you lend in smaller cities and rural areas?

Yes, we provide financing beyond major metros throughout North Carolina.

North Carolina's fix-and-flip market is driven by strong ARV appreciation and buyer demand in the Charlotte suburbs, Raleigh-Durham corridor, and mountain markets like Asheville.

Grafton Funding provides fix-and-flip bridge loans throughout North Carolina, with active lending in Charlotte, Raleigh, Greensboro, and Asheville. Asheville has become one of the hottest fix-and-flip markets in the Southeast due to limited housing inventory and high median home prices relative to acquisition costs.

We lend up to 90% of purchase price and 100% of verified rehab costs, with loan terms of 6 to 24 months and no income verification. Contact us to discuss your North Carolina fix-and-flip project.

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Why North Carolina Investors Use Fix & Flip Loans

Real estate investors in North Carolina choose fix & flip and bridge financing because:

Quick acquisition funding to secure discounted properties
Capital available to complete renovations and improvements
Underwriting based on property ARV (after-repair value)
Flexible draw schedules tied to renovation milestones
Financing designed specifically for investor strategies
Bridge to long-term financing or resale strategies

Common Fix & Flip Use Cases in North Carolina

We provide fix & flip financing in key North Carolina markets including:

Charlotte • Raleigh • Durham • Greensboro • Winston-Salem • Fayetteville

and other investor markets throughout the state.

North Carolina Fix & Flip Loan Guidelines

Typical guidelines for fix & flip financing include:

Loan terms generally from 6 to 18 months
Interest rates based on project risk and structure
Funding based on ARV and project viability
Renovation draw options available
Credit score and project experience reviewed
Loan amounts scaled to project scope

Specific terms vary by project and investor profile.

Why Work With Grafton Funding

in North Carolina

Our team specializes in investment property financing — including fix & flip and bridge loans — across key markets in North Carolina. We understand the unique dynamics of local renovation projects and work with investors to structure financing that aligns with project timelines and exit strategies.

With experience in both direct lending and nationwide brokerage access, we can help you find the right solution for your investment goals.

Fix & Flip FAQ – North Carolina

Q: Do you offer fix & flip loans in North Carolina?
A: Yes — we provide bridge financing for investment rehab projects throughout North Carolina.

Q: Can I finance renovation costs?
A: Yes, many of our fix & flip programs include funds for renovation draws.

Q: Is this different from a hard money loan?
A: While similar in structure, our programs often provide more flexible terms and underwriting designed for real estate investors.

Q: Do you lend in smaller cities and rural areas?
YA: es, we provide financing beyond major metros throughout North Carolina.

Q: Can I get a fix-and-flip loan in North Carolina with no income verification?

A: Yes. Fix-and-flip loans from Grafton Funding are asset-based. We underwrite based on the property's after-repair value (ARV), your equity in the deal, and your exit plan — not W-2s or tax returns. No income verification required.

Q: What is the maximum LTV for a fix-and-flip loan in North Carolina?

A: We typically lend up to 90% of purchase price and 100% of rehab costs, not to exceed 75% of ARV. Strong borrowers with a track record or significant equity may qualify for higher leverage. Contact us with your deal numbers.

Q: How fast can Grafton Funding close a fix-and-flip loan in North Carolina?

A: Fix & flip loans in North Carolina can close in as little as 3 to 5 days in most cases — no appraisal required in most states. For time-sensitive deals — auctions, distressed sellers — contact us immediately and we'll prioritize your file.

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North Carolina Fix & Flip Project?

Complete our pre-qualification form to review your

North Carolina investment property and explore available Fix & Flip loan options.