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Private Lending Solutions for North Carolina Real Estate Investors

Fast, Flexible, and Reliable Financing Options

RoseRock

Private Lending Solutions for North Carolina Real Estate Investors

Real estate opportunities don't always wait for traditional financing. RoseRock Capital Fund provides fast, flexible private lending for real estate investors and developers who need access to capital without the lengthy process that can come with a conventional bank loan. It's financing by investors, for investors, with a process built around the realities of real estate.

RoseRock is actively lending in North Carolina, with financing available for qualified projects throughout the state. From Charlotte and the surrounding communities to Raleigh, Durham, Chapel Hill and beyond, we understand the opportunities shaping North Carolina's growing real estate market.

With Charlotte's strong financial and business sectors, continued growth throughout the Triangle and new development happening across the state, North Carolina has become an increasingly active market for real estate investment. RoseRock gives investors another way to fund those opportunities when timing and flexibility matter.

North Carolina Lending Services

Bridge Loans

When there's a gap between where your project stands today and where it needs to go next, a bridge loan can provide the short-term capital to keep things moving.

RoseRock offers bridge loans in North Carolina for qualified real estate projects, including acquisitions, refinancing and other time-sensitive funding needs. Our loans are structured around the property and the deal, giving experienced investors an alternative to the slower approval process of traditional financing.

Land Loans

Land deals can come with their own set of challenges, especially when you're working with entitlement, pre-construction or development timelines.

RoseRock provides land loans in North Carolina for qualified developers and investors, including financing for land acquisition and cash-out refinancing. We look at the project as a whole and work to structure financing that makes sense for the property, the borrower and the next phase of the investment.

DSCR Loans

For income-producing properties with established cash flow, a DSCR loan can provide access to capital based largely on the property's ability to generate income.

RoseRock offers DSCR loans for qualified revenue-generating properties, including apartments, retail, multi-tenant properties, and other income-producing real estate with established cash flow. These loans can be a good fit for experienced investors looking to pull capital from a property with strong equity without relying on the longer process of traditional bank financing. With longer-term options available, DSCR financing can also provide additional flexibility for investments that need more time.

Benefits of Funding with RoseRock Capital Fund in North Carolina

Fast Approvals and Funding

Real estate can move quickly, and your lender should be able to keep up. RoseRock's streamlined process allows us to review qualified deals without the lengthy approval process often associated with traditional banks.

When the details line up, we can move from application to funding quickly. Both of our recent North Carolina land refinance projects closed within 30 days.

Loan Terms

RoseRock offers short-term financing designed for experienced real estate investors and developers. Loan terms generally range from 12 to 24 months, with loans available up to 65% of the property's as-is value.

Interest rates typically range from 8% to 13% with interest-only payments and a 2% origination fee. There is no prepayment penalty, giving borrowers the flexibility to pay off the loan when they're ready.

Focused North Carolina Market Knowledge

North Carolina isn't one single real estate market. A project outside Charlotte can look very different from one in the Triangle, Winston-Salem or a growing community closer to the coast.

RoseRock is actively lending in North Carolina and understands the different factors that can shape a deal across the state. That local market knowledge helps us evaluate opportunities based on the property, location and project itself rather than trying to fit every borrower into the same box.

Experienced Private Lending Professionals

RoseRock was built by real estate investors who understand what it's like to be on the other side of the lending process.

Brett Lamm and the RoseRock team bring hands-on real estate and private lending experience to every deal. You'll work directly with professionals who understand the importance of clear communication, realistic timelines and finding a path forward when a deal doesn't fit neatly into a traditional lending model.

Our Private Lending Process

Our streamlined lending process ensures you can secure funding quickly and efficiently. Here’s how it works:

  • 1. Application

    Submit your loan request through our simple online form or contact our team directly.

  • 2. Review

    Our team will evaluate your investment and offer terms based on your project needs.

  • 3. Approval

    Once approved, you’ll receive a clear breakdown of your loan structure, fees, and terms.

  • 4. Funding

    After accepting the loan terms, we work efficiently to deliver funding, so you can stay focused on your investment.

  • 5. Closing

    Complete the deal with confidence, knowing RoseRock Capital Fund has supported you every step of the way.

Do you Qualify?

RoseRock works with experienced real estate investors and developers on qualified projects starting at $1,000,000. While every deal is reviewed individually, our general lending requirements include:

  • Minimum loan amount: $1,000,000
  • First lien position
  • Personal recourse
  • Full documentation
  • Full appraisal required
  • Non-judicial foreclosure states

North Carolina Real Estate Success Stories

open land with trees

Statesville, NC: Land Refinance

An experienced North Carolina land developer came to RoseRock needing a fast cash-out refinance on a residential land parcel in Statesville. There were entitlement details to work through during underwriting, so the sponsor needed a lender that could address those issues without bringing the closing to a halt.

RoseRock structured a $1,441,000 cash-out refinance at 55% LTV and closed the loan in 30 days. The 12-month loan gave the sponsor access to capital while providing time to move forward with the next stage of the project.

  • Location: Statesville, NC
  • Loan Type: Cash-out refinance on land
  • Loan amount: $1,441,000
  • LTV: 55%
  • Term: 12 months
  • Time to close: 30 days
open land with trees

Mooresville, NC: Entitled Land Refinance

For an entitled land parcel in Mooresville, RoseRock provided a $2 million cash-out refinance that allowed the sponsor to access capital tied up in the property.

The deal was structured at 55% LTV with a 12-month term and moved from application to funding in 30 days.

  • Location: Mooresville, NC
  • Loan Type: Cash-out refinance on entitled land
  • Loan amount: $2,000,000
  • LTV: 55%
  • Term: 12 months
  • Time to close: 30 days

Terms

Term LTV Interest Points
Commercial Bridge Term: Up to 12 months LTV: Up to 65% Interest: 8 - 14% Points: 2%
Land Acquisition Term: Up to 12 months LTV: Up to 65% Interest: 8 - 14% Points: 2%
Land Refinance Term: Up to 12 months LTV: Up to 55% Interest: 8 - 14% Points: 2%
DSCR Term: Up to 24 months LTV: Up to 65% Interest: 8 - 12% Points: 2%

Frequently Asked Questions

Are you actively lending in North Carolina?

Yes. RoseRock Capital Fund is actively lending on qualified real estate projects in North Carolina.

Do you lend throughout North Carolina, or just certain areas?

RoseRock lends throughout North Carolina on qualified projects. Our lending area includes major markets such as Charlotte, Raleigh, Durham, Chapel Hill and Winston-Salem, as well as growing communities and coastal areas across the state.

What is the minimum loan amount?

RoseRock's minimum loan amount is $1,000,000. All loans are reviewed individually based on the property, borrower, and details of the project.

What type of properties do you lend on?

We provide financing for a variety of property types, including residential land, commercial land, revenue-generating properties, and new construction projects.

How quickly can I get funding?

While timelines can vary, we aim to process approvals quickly and work efficiently to get funding to you as soon as possible after submitting your loan application.

What is the interest rate range for your loans?

Interest rates vary based on the type of loan and the specifics of your project. Contact us for a personalized quote.

Do I need to have perfect credit to get a loan?

No, we take a holistic approach to our lending decisions, evaluating multiple aspects of each loan proposal. While perfect credit isn't required, we do review credit reports as part of our overall assessment of the asset and project.

What is a DSCR loan?

A Debt Service Coverage Ratio (DSCR) loan is financing for income-producing real estate that considers the property's cash flow and its ability to cover the debt. For investors with established revenue-generating properties, DSCR financing can provide an alternative to traditional bank lending.

Lending Service Area

North Carolina's banking, finance, technology and healthcare industries continue to drive growth across the state, from Charlotte and Winston-Salem to the Triangle of Raleigh, Durham and Chapel Hill, as well as growing coastal areas. Amazon, Apple, AbbVie and Novartis are among the companies expanding operations in North Carolina, while Scout Motors, Maersk North America, ProPharma, JetZero and SMBC have established corporate or operational headquarters in the state.
That continued business investment is creating new opportunities for real estate investors and developers throughout North Carolina. Contact RoseRock Capital Fund to discuss your private lending needs and financing options.

© RoseRock