Private Money Lender Terms · North Carolina

Private money lenders in North Carolina.

GIREC's private money network is active in North Carolina, serving Charlotte, Raleigh, and the Triad. Below are 4 sample lender term summaries currently available for gap funding, lien-position, and fix & flip deals in the state. Submit your deal and we'll match it to the most suitable option.

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Important Disclaimer

The lender terms shown on this page are general summaries and may change at any time. They do not represent a guaranteed approval, commitment to lend, or final loan offer. Submit your deal anyway if it doesn't match exactly — our lender network is continuously growing.

GIREC
PML Terms
PML Option 3
All states except TX
Lien position
2nd
LTV / LTC / ARV
Max 80% of ARV
Term length
6 months
Loan amounts $20k–$100k. Above $100k requires experience in the area, cross collateral, and liquid personal assets. Minimal permitting / small rehabs preferred. 25%–30% cash on cash return.
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GIREC
PML Terms
PML Option 4
TN · NC · VA · AL · GA
Lien position
1st preferred & 2nd
LTV / LTC / ARV
Not listed
Term length
9 months
Funding in as little as 48 hours. Up to 100% purchase and 100% construction.
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GIREC
PML Terms
PML Option 5
Nationwide — land only
Lien position
1st lien, land only
LTV / LTC / ARV
Under 50%
Term length
12 months
Land deals only — price of property does not matter. Lots above 5,000 sqft. Signed PSA required. No wetlands, flood zones, or HOA.
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GIREC
PML Terms
PML Option 7
NC · WV · OH · GA
Lien position
1st
LTV / LTC / ARV
Up to 70% LTARV / 90% LTC
Term length
210 days
100% financing up to $3M. Fix & flips — SFH/MFH up to 4 units. Zero points and no monthly payments. Early payoff discounts. Minimum FICO 620.
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Term summaries only. GIREC does not publish lender names or contact details. All terms are subject to change and lender underwriting.
Other Covered States
AlabamaArizonaFloridaGeorgiaKentuckyOhioOregonTennesseeTexasVirginiaWashingtonWest Virginia

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