CHARLOTTE MORTGAGE EXPERTS

Here at On Point Home Loans, you don’t just get a mortgage- you get a trusted partner dedicated to helping you achieve your homeownership dreams with confidence. We are local mortgage brokers with nationwide access to 150+ lenders and 40+ loan programs, ensuring you get the best possible rate and terms for your mortgage. Instead of spending hours shopping banks, we do the heavy lifting—saving you time, stress, and money. We would love to chat and earn your business!

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What Is an Investor Construction Loan?

An Investor Construction Loan is a short-term, project-based financing solution designed for real estate investors, builders, and developers who want to construct or rebuild residential or commercial properties for profit. Unlike standard construction loans for homeowners, Investor Construction Loans in Charlotte NC focus on the project’s potential and after-construction value (ARV) rather than just personal income or occupancy.

These loans are ideal for investors who:

Build new residential or multifamily properties for resale or rental.
Fund large-scale renovation or redevelopment projects.
Need flexible draw schedules aligned with construction milestones.
Want access to high loan amounts and interest-only payment options during the build phase.

With On Point Home Loans, investors gain access to competitive construction financing up to $3 million, quick underwriting, and a team familiar with Charlotte’s local zoning, permitting, and builder requirements. Whether you’re building from the ground up or adding to your investment portfolio, our investor construction loans help you maximize ROI through strategic, scalable funding.

How Investor Construction Loans Work in Charlotte, NC

Investor Construction Loans provide flexible, stage-based financing that covers both land acquisition and construction costs, allowing investors to manage cash flow efficiently throughout the build cycle. These loans are structured to support short-term projects that transition into long-term investment or sale opportunities.

Here’s how the process works:

Project Assessment and Prequalification – Your project is evaluated based on construction plans, budget, and after-repair or after-construction value (ARV) rather than personal income alone.
Approval and Loan Structuring – Once approved, funds are structured according to a draw schedule that aligns with key construction milestones.
Land and Build Financing – You can finance the land purchase, site prep, materials, and labor costs under one convenient loan.
Interest-Only Payments During Construction – Make payments only on the disbursed funds, keeping costs low while your property is under development.
Draw Disbursements by Inspection – Funds are released in stages as the work progresses and inspections verify completion.
Exit Strategy Execution – Upon completion, you can sell the property for profit or refinance into a long-term rental or commercial mortgage.

With On Point Home Loans, investors in Charlotte NC benefit from fast underwriting, high loan-to-cost ratios, and responsive local support, making it easier to execute projects confidently in a fast-moving market.

Is an Investor Construction Loan Right for You?

An Investor Construction Loan is ideal for developers, builders, and real estate investors looking to fund new construction projects, multifamily builds, or large-scale renovations in Charlotte NC. This type of financing is designed to support those focused on short-term development goals with long-term profitability in mind.

You might find an Investor Construction Loan in Charlotte NC right for you if:

You specialize in new builds, redevelopments, or fix-to-rent projects.
You need short-term capital to fund construction before sale or refinance.
You prefer interest-only payments during the construction phase to preserve liquidity.
You’re expanding your rental or investment property portfolio in Charlotte.
You want a fast, locally managed lending process from experts who understand North Carolina’s construction landscape.
You’re looking for a customized loan structure that fits your timeline, draw schedule, and project goals.

With On Point Home Loans, investors gain access to streamlined approvals, flexible funding, and local expertise—ensuring that every project moves from blueprint to build with confidence.

You May Be a Great Fit for an Investor Construction Loan If You

Develop or Build Investment Properties in Charlotte NC

You’re a real estate investor or builder focused on ground-up construction or redevelopment projects in the Charlotte market.

Need Flexible Draw Funding for Ongoing Builds

You prefer a stage-based funding system that releases capital as your project progresses, ensuring steady cash flow.

Want to Preserve Capital During Construction

You value interest-only payments during the build phase, allowing you to reinvest resources into materials, labor, or new opportunities.

Plan to Refinance or Sell Post-Completion

You intend to sell the finished property for profit or refinance into a long-term rental or commercial mortgage.

Have a Solid Construction Plan and Contractor Team

You’re working with a licensed North Carolina builder or contractor who understands local permitting and inspection standards.

Value Local Lending Expertise and Speed

You want a Charlotte-based lender with deep knowledge of the regional real estate market, investor strategies, and builder requirements.

Explore how the numbers add up.

Use our online resources below and explore more.

What our clients say

"Rebecca helped me with my first mortgage. The was a big step for me and Rebecca made me feel confident with choosing her to help with my loan. She was extremely helpful and quick to respond with any questions I had. I would 100% recommend working with Rebecca to anyone. She is also very professional and down to earth at the same time with her communication. 10/10 would work with again!"

Levi worked with us for over of year giving us all the information we needed for our first home. He made it all seem easy even though we weren’t. Can’t thank him enough.

"David and the On Point team are absolutely amazing! I thought for sure that the loan process would be the most inconvenient part of our home buying process, but thanks to On Point Home Loans, it was the easiest part! There were so many times I called David with questions or to ease my concerns, and he was there for me each time. David is so knowledgeable and it was truly a pleasure working with him. I knew that he had our best interest at heart and we’re very grateful for all of the hard work that David & the On Point team put in to make this process as smooth as possible for us! Thank you!"

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