North Carolina Commercial Real Estate Financing

What we finance in North Carolina

Multifamily and industrial are the workhorses of our North Carolina book. We arrange bridge and construction debt for sponsors across both product types, with permanent execution coming from agency, life companies, or CMBS depending on the asset profile.

Life-science is a distinctive Triangle opportunity. Lab conversions, ground-up wet-lab development, and life-science campus expansion all require lenders that understand TI scope, tenant credit, and the long lease-up timeline these assets carry. We work with the specialty lenders active in this segment.

Mixed-use is increasingly active in Charlotte and Raleigh as municipalities push for transit-oriented and walkable development. Construction debt and joint-venture equity for these projects requires lenders that can underwrite the residential, retail, and (often) office or hospitality components together.

• Bridge loans for value-add multifamily
• Construction debt for multifamily, industrial, life-science, and mixed-use
• Agency and HUD permanent debt
• Life-company and CMBS for stabilized assets
• Specialty life-science and lab financing
• Mezzanine and preferred equity for development

North Carolina underwriting realities

Submarket selection matters more in NC than in many states. Charlotte's South End, Raleigh's North Hills, Durham's downtown, and Asheville's River Arts District each have distinct rent, demand, and construction-cost profiles. We work with lenders that price the submarket, not the state average.

Construction costs have moderated from 2022 peaks but remain elevated relative to historical baselines. Lenders quoting construction debt expect realistic contingency (typically 5-8%) and detailed GMP / cost-plus structure. We make sure your construction budget and lender expectations align before underwriting.