Whether you're buying your first rental, scaling to 10+ doors, running short-term rentals, or leveraging PadSplit — we have the financing and the hands-on experience to get your deal closed. Trevor Higgins is a Charlotte investor himself. We speak your language.
Qualify based on your property's rental income — not your W-2, tax returns, or personal DTI. Ideal for self-employed investors, high-portfolio holders, and LLC buyers. Covers SFR, STR, PadSplit, and 1-4 unit properties.
Deep dive into DSCR →Fannie Mae and Freddie Mac programs for investment properties. Best for W-2 earners buying their first or second rental with strong personal income and credit. Requires 15–25% down.
Conventional loan details →DSCR loans for Charlotte short-term rentals. We use AirDNA projected income or your actual platform payout history. We package STR files specifically for clean underwriting approval — reducing friction and delays.
STR loan details →Charlotte is one of the strongest PadSplit markets in the US. DSCR loans for co-living properties using room-by-room PadSplit payout reports. Trevor has direct experience underwriting and closing these files.
PadSplit loan details →Pull equity from your primary residence or existing rental to fund the down payment on your next investment. The most common tool for scaling a Charlotte rental portfolio without liquidating other assets.
Cash-out refi details →We specialize in the full BRRRR cycle — conventional or hard money for the acquisition, DSCR or conventional for the refinance out, and cash-out timing to deploy into the next deal.
Discuss BRRRR strategy →Buy a distressed property, rehab it, rent it at market rate, refinance at the new appraised value, then repeat with the cash pulled out. We handle the refinance leg — timing the DSCR or conventional refinance to maximize your returned capital.
Conventional loans cap out at 10 financed properties and require personal DTI qualification — which gets harder as your portfolio grows. DSCR loans have no property limit, no DTI calculation, and can close in an LLC.
| Feature | DSCR Loan | Conventional Invest. | Cash-Out Refi |
|---|---|---|---|
| Qualification basis | ✓ Property cash flow | Personal income + DTI | Existing equity + income |
| Tax returns required | ✓ No | Yes — 2 years | Yes |
| LLC title allowed | ✓ Yes | No | Varies |
| Property limit | ✓ Unlimited | Max 10 financed | N/A |
| Min. down payment | 20–25% | 15–25% | 20% equity retained |
| STR / Airbnb income | ✓ Yes | Limited | N/A |
| Best for | Self-employed, LLC investors, scaling portfolio | W-2 earners, first investment | Leveraging existing equity for next deal |
We discuss your goals, portfolio, income structure, and target properties. DSCR, conventional, or cash-out — we recommend the right product for your situation.
24-hour pre-approval. For DSCR we run the property numbers. For conventional we verify income and DTI. You know your position before you make an offer.
We collect and organize your docs — STR payout history, PadSplit reports, rent rolls, or personal income — packaged specifically for clean underwriting approval.
On-time close. Then we plan your next move — cash-out timing, next acquisition, or portfolio refinancing. Most of our investors close multiple loans with us.
★★★★★"The entire team at Metrolina was great to work with. Trevor, Anthony, and Erin made the process of purchasing a 2nd home easy and stress free."
★★★★★"Trevor and his team Anthony and Erin are outstanding professionals. I have closed 3 loans with them and plan on doing many more. I also continue to refer many people their way."
★★★★★"Professionalism, creativity, willing to put in the work and keep us informed. Will continue to partner with Trevor and Anthony."
It depends on your situation. DSCR loans are best for self-employed investors, LLC buyers, or those with multiple properties. Conventional investment loans work well for W-2 earners buying their first rental. Cash-out refinancing works for investors leveraging existing equity. We run a full comparison on every call.
Conventional investment loans require 15–25% down. DSCR loans typically require 20–25% down. The exact amount depends on credit score, property type, number of units, and the property's DSCR ratio. Some programs allow 20% down for strong cash-flow properties.
Yes. We use DSCR loans for Charlotte PadSplit co-living properties, qualifying on room-by-room income documented through PadSplit payout reports. Charlotte is one of the strongest PadSplit markets in the country and Trevor has direct experience packaging and closing these files.
Yes — DSCR loans can be originated in the name of an LLC, which conventional Fannie Mae loans do not allow. This lets investors maintain liability protection while growing their portfolio. We handle LLC documentation as a standard part of every DSCR file.
Ready to discuss your Charlotte investment strategy?
Book a Free Investor Strategy Call →Free 30-minute investor strategy call. We'll review your goals, current portfolio, and target properties — and map out the right financing path to scale.