Genesis Capital for North Carolina investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How Genesis Capital positions in North Carolina
For North Carolina specifically, Genesis Capital fits investors who match the hard money approach. The medium cash flow profile of North Carolina aggregate makes it workable for Genesis Capital.
City-level coverage in North Carolina
Genesis Capital 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. Genesis Capital 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, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
Genesis Capital strengths in North Carolina
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including North Carolina. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Charlotte is the top investor market in North Carolina and falls within Genesis Capital national coverage. Charlotte property tax follows the North Carolina state rate of 0.8 percent. Genesis Capital 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 Genesis Capital. Submarket variation within Raleigh matters for property selection.
Genesis Capital 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 Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in North Carolina.
North Carolina allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
North Carolina investors considering Genesis Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.