North Carolina hard money & DSCR rate report — Q2 2026

Frequently asked questions

What is the average hard money loan rate in North Carolina right now?

North Carolina short-term (hard money) loans averaged 10.21% in Q2 2026 on an average loan of $312,800, per Lightning Docs North Carolina short-term loan averages covering 204 funded bridge, rehab, and ground-up loans. Jaken Finance Group's fix-and-flip and bridge programs run 8.99%–13.5% depending on leverage, sponsor, and exit.

How much are homes selling for in North Carolina?

In June 2026, medians in this report range from $265,000 to $425,000 across the markets listed below — verify current figures on linked Redfin pages.

How do Jaken Finance Group rates compare to the state average?

These are program parameters, not a market average: Jaken Finance Group's fix-and-flip and bridge loans run 8.99%–13.5% and DSCR rental loans 5.75%–10.5%. Your rate depends on the property, leverage, and exit — request a quote for a deal-specific number.

Where do these numbers come from and how often is this report updated?

Hard money figures are quarterly averages from Lightning Docs North Carolina short-term loan averages; home-price and days-on-market figures are Redfin data for June 2026. Every source is linked below, and the report is refreshed quarterly.