MoFin Lending for North Carolina investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How MoFin Lending positions in North Carolina
For North Carolina specifically, MoFin Lending fits investors who match the hard money approach. The medium cash flow profile of North Carolina aggregate makes it workable for MoFin Lending.
City-level coverage in North Carolina
MoFin Lending 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. MoFin Lending 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 | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
MoFin Lending strengths in North Carolina
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including North Carolina. MoFin Lending is based in an undisclosed location and operates nationally.
Charlotte is the top investor market in North Carolina and falls within MoFin Lending national coverage. Charlotte property tax follows the North Carolina state rate of 0.8 percent. MoFin Lending 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 MoFin Lending. Submarket variation within Raleigh matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in North Carolina.
North Carolina allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
North Carolina investors considering MoFin Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.