Why North Carolina works for the 100% program
North Carolina is a non-judicial state with a streamlined power-of-sale foreclosure process — typically 90–120 days from default to sale. That predictability is why our capital partners price NC at the program's highest leverage tier: 100% loan-to-cost up to 70% of after-repair value.
The Charlotte metro and Research Triangle (Raleigh-Durham-Chapel Hill) lead the state in flip volume — population growth, tech-driven demand, and balanced supply make for clean comps. The Triad (Greensboro/Winston-Salem) and the Eastern NC growth corridor (Wilson, Goldsboro, Rocky Mount) offer better entry-price spreads for buy-and-hold-adjacent flips.
Both Velocity and Optimal operate across all 10 of our NC-approved cities. Run your numbers below.
Run your North Carolina deal now
Calculator opens with North Carolina pre-selected. Enter purchase, rehab, and ARV — see both programs side-by-side in seconds.
Open North Carolina calculator →North Carolina approved-area cities (Velocity 100%)
Velocity (100% financing) requires the property to be in an approved-area city. Optimal works in any NC city. The 10 Velocity-approved NC cities are:
Property in an NC city not listed (Asheville, Wilmington, Cary, Concord, etc.)? Still qualifies for the Optimal program — slightly less leverage, but lower rate.
North Carolina fix and flip loan FAQ
Are AGS Lending Partners' NC fix and flip loans 100% financed?
Yes — Velocity finances 100% of purchase plus rehab in NC, up to 70% of ARV. You'll cover origination points (3.5%), $2,500 processing, and third-party closing costs (title, hazard insurance, recording) at closing. No separate down payment.
What's the maximum loan size for an NC fix and flip?
Velocity caps at $2.5M with first-time AGS borrowers limited to $1M. Optimal lends up to $3M. Most Charlotte and Triangle single-family flips fall in the $250K–$650K range where both programs operate cleanly.
Does NC's non-judicial foreclosure help my pricing?
Yes. NC's power-of-sale process is faster and cheaper to recover collateral than judicial states, so our capital partners apply the higher 75% ARLTV cap on Optimal (vs 70% in judicial states like Florida). That means more leverage on the same deal.
How fast can an NC fix and flip loan close?
Typical close is 10–14 business days from full application + docs. NC title processing is generally clean and fast outside Mecklenburg County peak periods. Submit via the calculator's "Get your real quote" CTA — we'll lock a closer within 24 hours.
Not in North Carolina? See the main calculator (works for all 12 active states), or read our full fix and flip program guide .