# Charlotte Hard Money Lender | DSCR & Fix-Flip Loans | KREC *Hard money loans for Charlotte real estate investors. Fix & flip, DSCR rental, bridge & construction financing with closings in as fast as 7 days. Call 619-369-4444.* ## Charlotte Hard Money Lender Fast, flexible hard money loans for Charlotte real estate investors. Fix & flip, DSCR, bridge, and construction financing across the Charlotte metro. 48 States We Lend In 7 Days Fastest Close Time 9.99% Rates Starting At 4.9/5 Client Rating ### Why Charlotte Investors Choose Us Charlotte's banking-driven job growth and affordability relative to other Sun Belt metros make it a standout for both flips and long-term rentals. #### Investor-First Lending We lend on the deal, not your W-2. Asset-based underwriting means Charlotte investors get answers in hours, not weeks. #### Fast Closings Close in as fast as 7 days. Our in-house underwriting means no delays — win deals other buyers can't. #### Personal Service Work with real humans, not algorithms. A dedicated account executive guides every Charlotte deal from term sheet to closing table. ### Hard Money Loans for Charlotte Investors Comprehensive financing solutions for every Charlotte real estate investment strategy. #### Fix & Flip Loans Up to 90% LTC and 100% rehab financing for Charlotte investment properties. Close in as fast as 7 days. #### DSCR Rental Loans No income verification. Qualify based on property cash flow — a great fit for Charlotte's rental market. #### New Construction Ground-up construction financing for single-family and multi-unit projects throughout the Charlotte area. #### Bridge Loans Quick bridge financing to acquire Charlotte properties before your exit strategy is finalized. ### Serving the Entire Charlotte Metro From uptown Charlotte to the fast-growing suburbs on both sides of the state line, we fund investment deals across the region. Plus all other Charlotte-area communities. We lend in 48 states from our San Diego headquarters. #### Talk to Our Charlotte Lending Team Lending in Charlotte, NC 100% remote closings — no office visit required. Funded from our San Diego headquarters. Phone Hours Monday - Friday: 8am - 6pm PT Weekends: By Appointment ### Charlotte Hard Money Loan FAQs Common questions from Charlotte real estate investors. #### What areas of Charlotte do you serve? We fund deals throughout the Charlotte area including NoDa, South End, Ballantyne, Concord, Gastonia, Huntersville, Matthews, Mint Hill, and all surrounding communities in North Carolina. #### How fast can you close on a Charlotte property? We can close in as fast as 7 days for straightforward deals. Most Charlotte transactions close within 10-14 days. #### Do you require Charlotte real estate experience? No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Charlotte investment. #### What are your rates for Charlotte hard money loans? Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Charlotte project. #### Do you fund DSCR loans in Charlotte? Yes! We qualify based on property cash flow, not personal income — a strong fit for Charlotte rental investors. ### Ready to Fund Your Charlotte Investment? Get a free quote in minutes. Our team is standing by to help with your next Charlotte real estate deal. Flexible, creative lending solutions to help real estate investors scale their portfolios. NMLS ID: #2676974 ##### Quick Links - [Home](https://keyrealestatecapital.com/) - [Loan Products](https://keyrealestatecapital.com/loan-products) - [Real Estate Lending](https://keyrealestatecapital.com/real-estate-lending) - [Answers](https://keyrealestatecapital.com/answers) - [Calculator](https://keyrealestatecapital.com/calculator) - [Recently Funded](https://keyrealestatecapital.com/deals) - [Blog](https://keyrealestatecapital.com/blog) - [About Us](https://keyrealestatecapital.com/about) - [Contact](https://keyrealestatecapital.com/contact) ##### Loan Products - [Fix & Flip](https://keyrealestatecapital.com/loan-products#fix-and-flip) - [Single Rental](https://keyrealestatecapital.com/loan-products#single-rental) - [New Construction](https://keyrealestatecapital.com/loan-products#new-construction) - [Rental Portfolio](https://keyrealestatecapital.com/loan-products#rental-portfolio) - [Bridge Loans](https://keyrealestatecapital.com/loan-products#bridge) - [Transactional Funding](https://keyrealestatecapital.com/loan-products/transactional-funding) ##### Contact Us - Phone [(619) 369-4444](tel:619-369-4444) - Email [lindsay@keyrealestatecapital.com](mailto:lindsay@keyrealestatecapital.com) - Office 401 W A St Ste 200 San Diego, CA 92101 ##### Markets We Serve © 2026 Key Real Estate Capital. All rights reserved. Service Hours: 24/7 | Monday - Sunday ## Business Information - **Name:** Key Real Estate Capital - Charlotte - **Description:** Charlotte hard money lender specializing in fix and flip loans, DSCR rental loans, bridge financing, and construction loans. - **Telephone:** +1-619-369-4444 - **Website:** https://keyrealestatecapital.com/locations/charlotte - **Address:** 401 W A St Ste 200, San Diego, CA, 92101 ## Frequently Asked Questions ### What areas of Charlotte do you serve? We fund deals throughout the Charlotte area including NoDa, South End, Ballantyne, Concord, Gastonia, Huntersville, Matthews, Mint Hill, and all surrounding communities in North Carolina. ### How fast can you close on a Charlotte property? We can close in as fast as 7 days for straightforward deals. Most Charlotte transactions close within 10-14 days. ### Do you require Charlotte real estate experience? No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Charlotte investment. ### What are your rates for Charlotte hard money loans? Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Charlotte project. ### Do you fund DSCR loans in Charlotte? Yes! We qualify based on property cash flow, not personal income — a strong fit for Charlotte rental investors. ## Links - [Get a Free Quote](https://keyrealestatecapital.com/contact) - [Learn More](https://keyrealestatecapital.com/loan-products/fix-and-flip) - [Learn More](https://keyrealestatecapital.com/loan-products/single-rental) - [Learn More](https://keyrealestatecapital.com/loan-products/new-construction) - [Learn More](https://keyrealestatecapital.com/loan-products/bridge) - [Get Started Today](https://keyrealestatecapital.com/contact) - [San Diego](https://keyrealestatecapital.com/locations/san-diego) - [Phoenix](https://keyrealestatecapital.com/locations/phoenix) - [Dallas-Fort Worth](https://keyrealestatecapital.com/locations/dallas-fort-worth) - [Houston](https://keyrealestatecapital.com/locations/houston) - [Atlanta](https://keyrealestatecapital.com/locations/atlanta) - [Tampa](https://keyrealestatecapital.com/locations/tampa) - [Orlando](https://keyrealestatecapital.com/locations/orlando) - [Miami](https://keyrealestatecapital.com/locations/miami) - [Las Vegas](https://keyrealestatecapital.com/locations/las-vegas) - [Denver](https://keyrealestatecapital.com/locations/denver) - [Charlotte](https://keyrealestatecapital.com/locations/charlotte) - [Nashville](https://keyrealestatecapital.com/locations/nashville) - [Sacramento](https://keyrealestatecapital.com/locations/sacramento) - [Riverside](https://keyrealestatecapital.com/locations/riverside) - [Jacksonville](https://keyrealestatecapital.com/locations/jacksonville) - [San Antonio](https://keyrealestatecapital.com/locations/san-antonio) - [Columbus](https://keyrealestatecapital.com/locations/columbus) - [Indianapolis](https://keyrealestatecapital.com/locations/indianapolis) - [Kansas City](https://keyrealestatecapital.com/locations/kansas-city) - [Memphis](https://keyrealestatecapital.com/locations/memphis) - [Birmingham](https://keyrealestatecapital.com/locations/birmingham) - [Cleveland](https://keyrealestatecapital.com/locations/cleveland) - [Austin](https://keyrealestatecapital.com/locations/austin) - [Privacy Policy](https://keyrealestatecapital.com/privacy-policy) - [Terms & Conditions](https://keyrealestatecapital.com/terms-of-service) - [Anti-Spam Policy](https://keyrealestatecapital.com/anti-spam-email-policy) --- Canonical URL: https://keyrealestatecapital.com/locations/charlotte Markdown URL: https://keyrealestatecapital.com/locations/charlotte.md Agent overview: https://keyrealestatecapital.com/llms.txt Full reference: https://keyrealestatecapital.com/llms-full.txt Sitemap: https://keyrealestatecapital.com/sitemap.xml Related Key Real Estate Capital resources: - Loan programs: https://keyrealestatecapital.com/loan-products - Questions answered: https://keyrealestatecapital.com/answers - Loan calculator: https://keyrealestatecapital.com/calculator - Contact: https://keyrealestatecapital.com/contact Key Real Estate Capital — nationwide private capital lender. Contact: lindsay@keyrealestatecapital.com | SMS 619-376-1161