Private Real Estate Lending · Charlotte, NC

Reliable Cashflow™.
Secured By Real Charlotte Homes.

Earn 15% simple interest, paid monthly, on a first-lien note recorded against a Charlotte property with real equity. 36 months or less. No platform. No pool. No middleman.

See The Current Deal → Get On The Lender List →
1st-Lien Position
NC Licensed Attorney Closing
Full Collateral File
36 Months Max
Why Lenders Choose Us

Private Money, Done The Old-Fashioned Way.

Three things matter when you lend against real estate: your position, your paperwork, and who holds the money. We get all three right, every time.

01

First Position, Recorded.

Your note is a first-lien mortgage recorded at the Mecklenburg County Register of Deeds. If anything goes sideways, you are first in line — ahead of every other creditor.

02

Monthly Interest, Wire Or ACH.

15% simple interest. $25,000 funds $312.50 every month. $50,000 funds $625. $75,000 funds $937.50. Paid on the 1st. Every month. For up to 36 months.

03

Attorney-Closed. Escrow-Funded.

You never wire money to us. You wire to a licensed North Carolina closing attorney's trust account. Docs are drawn, signed, recorded, and insured before a single dollar leaves escrow.

The Current Deal

$180,000. 76% LTV. 15% Interest-Only.

The numbers on the note we're funding right now — line by line, no hand-waving.

Loan Amount $180,000 Total note balance
Property Value (AS-IS) ~$235,000 Independent appraisal / BPO
Equity Cushion ~$55,000 Distance to your principal
LTV 76% Loan-to-value ratio
Rate 15% Simple, interest-only
Term 36 mo Maximum duration
We're funding this in slices of $25,000, $50,000, or $75,000 so 3–5 lenders share one note, pro-rata. Everyone is in first position. Everyone gets a monthly interest payment. Nobody is last.
See The Full Collateral File →
The Document Package

What You Get Before You Wire.

Before you send a dollar, you see every piece of paper that ties this loan to the property.

Nothing hidden. Nothing rushed.
Who This Is For

You Probably Already Know If This Fits You.

If that's you, keep reading.
How It Works

From Inquiry To First Payment In Under 21 Days.

You submit the short form below.

Name, phone, email, and a rough sense of your capacity. Sixty seconds.

We text within 60 seconds.

A real person proposes a 30-minute call. No phone trees. No robots.

You receive the full document package.

Every draft, every photo, the attorney's direct line. Your counsel reviews if you want.

You wire to escrow.

Deed of trust records. First interest payment hits your bank 30 days later.

The Ask

Join The Charlotte Private Lending Capital Stack™.

We are assembling 3–5 lenders for this note. When it's fully committed, the list closes and we notify you of the next one.

You'll get a text within 60 seconds of submitting — from a person, not a bot. If we don't answer inside a minute, the next coffee is on us.

3–5 Lenders · $25k · $50k · $75k Slices

Get On The Lender List

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We only follow up by text and email. If you tell us to stop, we stop. Message and data rates may apply. See our Privacy, Terms, and Risk Disclosure.

15%
Simple Interest, Paid Monthly
76%
LTV On The Current Note
36 mo
Maximum Term
1st
Lien Position, Recorded
Frequently Asked

Answers Before You Ask.

Is this an investment?
No. You are making a loan. You receive a promissory note and a recorded first-lien deed of trust. You are a lender, not an investor. No security, fund, or partnership interest is offered or sold.
What if the borrower stops paying?
The attorney initiates foreclosure. Because you're first-lien at 76% LTV, there is a $55,000 equity cushion to protect your principal.
Can I use my self-directed IRA?
Yes. We work with most SDIRA custodians. The custodian wires directly to the closing attorney's trust.
Who actually holds the note?
You do. Or your IRA does. The note is assigned in your name (or your IRA's name) and recorded. You are the lender of record.
Can I talk to your attorney before wiring?
Absolutely required. We'll give you the attorney's direct line.
How quickly does the first interest payment arrive?
Thirty days after the loan funds. Your first monthly interest payment lands in your bank account on the 1st of the following month, and then on the 1st of every month thereafter for up to 36 months.
Who closes the transaction?
A North Carolina licensed closing attorney. Funds flow through the attorney's trust account — never to the operator directly. The attorney drafts the note, records the deed of trust, and disburses to the project only after everything is signed and filed.
What is the maximum loan-to-value ratio you will accept?
80% LTV is the hard ceiling. The current deal is 76% LTV, which leaves roughly $55,000 of equity cushion between the loan amount and the AS-IS appraised value.
Can I lend less than $25,000?
No. Minimum slice is $25,000. This keeps the note clean (3–5 lenders maximum) and ensures every lender receives a monthly interest payment that's worth the paperwork.
How is this different from a pooled mortgage fund?
You are assigned a pro-rata first-lien piece of one specific Charlotte property. It is your note, recorded in your name, with the property address and the borrower identified. It is not a share of a fund, not a partnership interest, and not a security.

Real Property. Real Attorney. Real Monthly Interest.

The list closes when the note is fully committed. Get on it before it does.

Get On The Lender List →