Real questions from real investors, answered straight

Every page below started as a real question asked by a real investor in the groups where we all hang out. No fluff, no "call for details" runaround. A direct answer first, then the specifics. We're TAC Lending, an investment-property lender and loan broker in New Bern, NC, funding fix & flip, rental (DSCR), BRRRR, bridge, and ground-up construction deals across North Carolina, Georgia, and Virginia.

DSCR / Rental loans

Recommendations for a DSCR lender that doesn't charge a bunch of fees?

Can I get a DSCR refinance with a 670 credit score?

Do you need 20% down for a DSCR loan?

Is there a lender that does refinances under $100K?

Who lends on rural rental properties in North Carolina?

Can I get a 30-year fixed loan on an Airbnb in NC?

Fix & flip / BRRRR / Construction

I've never done a fix and flip. Can I still get a loan?

Who does 100% financing including renovation costs?

Can one lender finance a BRRRR purchase and refinance?

My bank wants 12 months of seasoning. What now?

How much of the land and build will a lender finance?

How lending actually works

How fast can you actually close?

Should I buy in an LLC, and will the loan hit my credit?

Direct lender or broker: which gets you the better loan?

Have a question that isn't here? Send the scenario. Initial terms come back same-day on a quick intake, with no hard credit pull.

Investment property only. Business-purpose loans, never owner-occupied. Terms vary by experience, credit, liquidity, and project strength. Subject to underwriting and approval. Not every deal or borrower will fit every program. This is not a commitment to lend.