North Carolina DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

North Carolina DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in North Carolina (NC) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the North Carolina median 1–4 unit price of $365,000 and Form 1007 rent of $2,680/mo (0.78% property tax, $560/$100K hazard insurance), a 75% LTV loan models at 1.23x DSCR ($2,183/mo total PITIA).