Dominion Financial Services for North Carolina investors
Dominion Financial Services is an established lender with comfort on distressed properties and flexibility on borrower credit profiles.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How Dominion Financial Services positions in North Carolina
North Carolina is well covered by national DSCR lenders, with Dominion Financial Services as one option. Where Dominion Financial Services differentiates: experienced underwriting. Where it competes: rates 9.5 to 12.5 percent against peer programs.
City-level coverage in North Carolina
Dominion Financial Services provides DSCR coverage across North Carolina metros including Charlotte, Raleigh, and Greensboro. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Dominion Financial Services program terms apply uniformly across North Carolina metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental |
| Loan size | $50K - $5.0M |
| Rates | 9.5%-12.5% |
| Points | 1.5 - 4 |
| Max LTV | 75% of ARV |
| Term lengths | 6-18 months |
| Typical close time | 7-14 days typical |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
Dominion Financial Services strengths in North Carolina
- experienced underwriting
- distressed property comfort
- flexible on credit
Ideal borrower: Investor on distressed deals or with credit hair
FAQ
Yes, operates nationally including North Carolina. Dominion Financial Services is based in Baltimore, MD and operates nationally.
Charlotte is the top investor market in North Carolina and falls within Dominion Financial Services national coverage. Charlotte property tax follows the North Carolina state rate of 0.8 percent. Dominion Financial Services typically underwrites Charlotte acquisitions at standard rate sheets.
Yes. Raleigh ranks among the larger North Carolina investor metros and sees consistent DSCR loan volume from Dominion Financial Services. Submarket variation within Raleigh matters for property selection.
Dominion Financial Services applies the same rate sheet across North Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charlotte, Raleigh, and Greensboro all qualify for the same Dominion Financial Services program.
Dominion Financial Services indicative DSCR rate range is 9.5 to 12.5 percent with 1.5 to 4 points.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. Dominion Financial Services follows standard business-purpose loan structures.
Dominion Financial Services funds fix-and-flip, bridge, rental in North Carolina.
North Carolina allows standard DSCR prepay structures; Dominion Financial Services typically uses 3-5 year step down.
Dominion Financial Services typical close: 7-14 days typical.
Bottom line
North Carolina investors considering Dominion Financial Services should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Dominion Financial Services.