Durham Real Estate Investor Financing Built for Speed

Move faster on acquisition and rehab opportunities across Durham, NC with direct private lending that matches real-world deal cadence. From quick-close purchases to time-boxed renovations, Unitas Funding helps investors stay competitive in submarkets where pricing, contractor availability, and listing velocity can shift week to week.
We routinely support projects across Durham, NC and nearby communities like Chapel Hill, Raleigh, Cary, Morrisville, Hillsborough, and Apex. Whether you’re rehabbing a dated single-family in Chapel Hill, executing a light-to-moderate value-add in Raleigh, or stabilizing a rental in Cary, our loan structures are built around the property and the plan—not a one-size checklist.

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Fast, Reliable Capital

Direct-lender execution matters when timelines are tight and sellers want certainty. As a direct lender backed by institutional capital, Unitas Funding delivers streamlined underwriting, clear conditions, and a closing process designed for investor workflows in Durham, NC. Instead of bank delays, you get decisive term sheets, practical structures, and a draw process aligned to construction milestones.

Fix & Flip Loans

Fix & Flip Loans

Fix & flip investors in Durham, NC use our financing to acquire and renovate properties while keeping cash reserves available for the next deal. We support scopes ranging from cosmetic updates to heavier rehabs, with terms structured around ARV and a realistic project timeline across markets like Chapel Hill and Raleigh.

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New Construction Loans

New Construction Loans

For ground-up or major redevelopment in Durham, NC, our new construction loans can fund lot acquisition and vertical construction with milestone-based draws. Investors building in corridors around Cary and Morrisville value predictable funding and responsive communication to keep schedules intact.

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Bridge Loans

Bridge Loans

Bridge financing in Durham, NC is designed for transitional assets—refinancing, payoff, or short-term holds while you execute a repositioning plan. Whether you’re solving timing issues in Hillsborough or assembling a longer-term takeout strategy near Chapel Hill, bridge capital helps you move without waiting on bank calendars.

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DSCR Loans

DSCR Loans for Rental Properties

DSCR loans in Durham, NC focus on property income so investors can scale rental portfolios without traditional income hurdles. This is a strong fit for stabilized rentals in Raleigh and Apex, and for investors optimizing leverage while keeping the process efficient.

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What Makes Unitas Funding Different?

  1. The Power of a Bank, The Speed of a Partner
    We pair institutional discipline with investor-friendly speed—so you get rigorous underwriting without the slow committee cadence.

  2. More Ways to Say “Yes” to Your Deal
    We expand the credit box with practical exceptions and deal-based structuring when the collateral and plan support it.

  3. Certainty from a Direct Lender
    Because we lend directly, approvals are clear and consistent—no re-trading, no last-minute surprises from a capital stack you can’t see.

  4. Faster Funding, Faster Draws
    Our draw process is built for execution: responsive inspections, consistent communication, and releases that keep crews working.
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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Durham
Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for a hard money loan from Unitas Funding?

Most borrowers in Durham, NC are active real estate investors or builders operating through an LLC or corporation. We focus on the collateral, the budget, and the exit strategy—especially for projects in Chapel Hill and Raleigh where timelines are tight.

What documents do I need to apply in Durham, NC?

To finance a deal in Durham, NC, we typically request a purchase contract (or payoff statement), scope of work, and a basic project budget. For assets around Cary and Morrisville, we also collect entity docs and experience details to align the structure to your plan.

What credit score is required for Durham, NC hard money loans?

We don’t underwrite Durham, NC projects off a single credit threshold. Credit informs pricing and structure, but the property and execution plan—common in Chapel Hill and Hillsborough—drive the decision.

Do you work with first-time real estate investors in Durham, NC?

Yes—first-time investors can be approved in Durham, NC when the deal, budget, and support team are strong. We often help newer operators validate scopes and timelines for projects in Raleigh and Cary.

Do you require income verification for DSCR loans in Durham, NC?

DSCR loans prioritize the property’s cash flow rather than W-2 income, which is useful for scaling rentals in Durham, NC. Investors holding in Morrisville and Hillsborough often prefer DSCR for portfolio growth and simplified qualification.

How fast can you approve and close a loan in Durham, NC?

Many Durham, NC borrowers receive initial feedback quickly once we have deal basics and a clear timeline. With valuation and title moving efficiently—common in Chapel Hill and Apex—closings can occur in as little as ~10 days.

Why choose Unitas Funding for Durham, NC investor financing?

Investors choose us in Durham, NC for direct-lender certainty, transparent conditions, and a process built for execution. That reliability matters when you’re coordinating contractors across Raleigh and Cary.

How is hard money different from bank financing in Durham, NC?

Banks often require rigid documentation and longer timelines that don’t match competitive Durham, NC deals. Private lending focuses on the asset and plan, which is critical for value-add projects in Chapel Hill and Morrisville.

What areas do you serve beyond Durham, NC?

We lend across Durham, NC and surrounding markets, including Chapel Hill, Raleigh, Cary, Morrisville, Hillsborough, and Apex. If your project is just outside the core, we’ll confirm eligibility and structure based on the specific submarket dynamics.

What is the application process for a Durham, NC hard money loan?

Start with an application and basic deal details for the subject property in Durham, NC. We’ll review the budget and exit strategy, then coordinate valuation and title—keeping the process moving for projects in Cary and Apex.

Ready to Fund Your Next Durham, NC Real Estate Investment?

Arizona's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Arizona real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.