DSCR Lenders in North Carolina
19 verified DSCR lenders serving North Carolina real estate investors. Compare rates, loan programs, and close times — no tax returns required.
Scottsdale, AZ
Loan Daddy LLC is a leading DSCR loan originator helping real estate investors nationwide close fast with competitive rates and no income verification. NMLS #1831233.
Scottsdale, AZ
ARDRI offers competitive DSCR loan programs through Loan Daddy LLC. Rates from 7.00%, LTVs up to 80%, minimum DSCR 1.0, and closings in 21 days. LLC vesting available. No tax returns, no W-2s.
Austin, TX
Visio is a pioneer in DSCR lending, exclusively focused on investor rental properties. They offer 30-year fixed DSCR loans, no income verification, and close in 21 days. Rates from 7.25%.
San Francisco, CA
One of the largest DSCR and fix-and-flip lenders in the US. Kiavi offers rental loans with rates starting at 7.00%, LTVs up to 80%, and closings in as little as 15 days. Funded over $20 billion in loans.
South Windsor, CT
Leading private lender for fix & flip, DSCR, and bridge loans nationwide.
Greenville, SC
National private lender specializing in DSCR, fix-and-flip, and new construction. Lima One offers competitive DSCR rates, flexible underwriting, and a dedicated account manager for every deal.
Irvine, CA
CoreVest specializes in portfolio DSCR loans for investors with multiple properties. Blanket loans, single-asset rentals, and multifamily up to 100 units. Funded $20B+ to date.
Tampa, FL
Tech-forward DSCR lender with instant rate quotes and paperless closings.
Austin, TX
Austin-based private lender with a reputation for fast, reliable closings on DSCR and fix-and-flip loans. Strong presence in Texas, Southeast, and Mountain West. Known for responsive service.
Houston, TX
Texas-based investment property lender. DSCR from 0.75, low down payment options.
Atlanta, GA
Atlanta DSCR lender serving Georgia and the Southeast. Fix and flip, bridge, and rental portfolio loans. Close in 21 days. Local expertise.
Charlotte, NC
Charlotte DSCR lender serving the Carolinas and Virginia. Bridge, fix and flip, and long-term rental financing. 680+ FICO required.
Atlanta, GA
Southeast-focused DSCR lender with in-house underwriting and fast decisions.
Richmond, VA
Richmond DSCR lender for Virginia and Mid-Atlantic real estate investors. Bridge, fix and flip, and rental portfolio financing.
Raleigh, NC
Raleigh-Durham DSCR lender for North Carolina investors. Multifamily and cash-out refi products. Close in 21 days, no tax returns.
Westlake Village, CA
Non-owner occupied specialist offering DSCR, blanket, and portfolio loans.
Baltimore, MD
Nationwide investor lender. DSCR, fix & flip, and new construction programs.
Clearwater, FL
Single-family and small multifamily DSCR loans. No tax returns, no job required.
Charlotte, NC
Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.
DSCR Loans in North Carolina — FAQ
What is a DSCR loan and how does it work in North Carolina?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in North Carolina typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in North Carolina?
Most North Carolina DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in North Carolina?
Typical DSCR loans in North Carolina require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in North Carolina?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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