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Fix & Flip · North Carolina

Fix & flip loans in North Carolina — fund the deal, keep your cash.

Mortava fix & flip loans in North Carolina: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

North Carolina is a top-five growth market where Charlotte and the Research Triangle drive relentless rental demand. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Charlotte, Raleigh, Greensboro and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your North Carolina project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance North Carolina projects with Mortava

In a market like North Carolina, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Charlotte, Raleigh, Greensboro, Durham deals and recycle capital into the next project faster.

Charlotte and the Research Triangle keep drawing employers and residents, so both rental demand and flip exit demand stay deep. North Carolina is a growth market where flippers rarely wait long for a buyer.

Top metros we fund
Charlotte, Raleigh, Greensboro, Durham
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in North Carolina

The same leverage that funds a North Carolina flip funds the "buy and rehab" half of BRRRR. Renovate in Charlotte or Raleigh, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

North Carolina fix & flip loan FAQ

Can I get a fix and flip loan in North Carolina?
Yes. Mortava funds fix & flip projects across North Carolina, including Charlotte, Raleigh, Greensboro, Durham. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a North Carolina flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in North Carolina.
Do you fund first-time flippers in North Carolina?
Yes — first-time flippers are welcome in North Carolina with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Charlotte and Raleigh?
Yes — Charlotte, Raleigh, Greensboro, Durham and every other North Carolina market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a North Carolina property instead of selling it?
Yes. Many North Carolina investors renovate with a Mortava flip loan in markets like Charlotte, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in NebraskaFlip in NevadaFlip in New HampshireFlip in New JerseyFlip in New MexicoFlip in New YorkFlip in North DakotaFlip in OhioFlip in OklahomaFlip in OregonFlip in PennsylvaniaFlip in Rhode Island
All Fix & Flip programs → DSCR loans in North Carolina → Instant quote & pre-qualify →
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