Amexem Capital logoACA Lending Partners | High-Leverage National Financing

Asset-Based Lending
for Real Estate Investors.

100% Fix & Flip Financing, 90% LTC Ground-Up, and DSCR Rentals with No Minimum across 47 states. No income docs. No reserves. 650+ FICO.

✔ 100% Fix & Flip Financing✔ 90% LTC Ground-Up (Horiz. & Vert.)✔ No Income Docs · No Reserves✔ DSCR — No Min DSCR · No Min FICO✔ Multifamily Bridge $75K–$10M
100%
Fix & Flip Financing
90% LTC
Ground-Up Construction
No Min
DSCR Ratio Required
$10M
Max Multifamily Bridge
AMEXEM CAPITAL

RECENTLY FUNDED DEAL

Prime Multi-Family Acquisition · Akron, Ohio

32-Unit Townhome Complex — Akron, Ohio
32 UNITS · AKRON, OHIO
Property Type
32-Unit Townhome Complex
Location
Akron, Ohio
Date Closed
August 11th, 2026
Loan Amount
$881,250
Structure
Multifamily Bridge Loan
⭐ Investor Reviews

What Investors Say

Real reviews from real clients we've helped close fast.

Verified Google Review

Erica is an amazing person and very professional, very communicative and straight forward! Highly recommended ✅✅✅

Alex Levin
Verified Google Reviewer
4 reviews • 3 photos
7 weeks ago
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Investor Math

The Fix & Flip Formula

NC profit margins are consistently strong. Use this formula before making any offer:

Maximum Allowable Offer (MAO)
MAO = (ARV × 0.75) − Rehab Costs

With ACA's 100% financing, your cash-on-cash return is dramatically higher vs. conventional funding.

Who We Serve

Investors From Every Market

✓
First-Time Investors
No experience required. 650 FICO gets you started.
✓
Active Flippers
100% financing means more deals, more profits.
✓
Buy & Hold Investors
DSCR loans with no minimum ratio. Cash-flow light deals welcome.
✓
Builders / Developers
90% LTC Ground-Up — horizontal and vertical.
🔥 Market Spotlight — North Carolina

Why Investors Are Flooding
Into North Carolina.

North Carolina consistently ranks among the top investment markets in the country. Affordable entry prices, strong population growth, landlord-friendly laws, and rising rents make it a standout state for Fix & Flip, Ground-Up Construction, and DSCR rental strategies.

ACA's programs are built for this market — 100% financing on Fix & Flip, 90% LTC on Ground-Up, and DSCR with no minimum ratio — so investors can move fast and keep capital deployed.

NC Cap Rate (SFR)
6–9%
Avg. Flip Profit
$68K+
Population Growth
Top 3 USA
Landlord Friendly
Yes ✓
NC Skyline
North Carolina — High-Growth Investment Markets
Charlotte · Raleigh · Asheville · Fayetteville · Wilmington

NC Market Overview — 2026

Five high-growth markets. Multiple strategies. One lending partner.

Raleigh
DSCR / Tech Rentals
Research Triangle / Tech Jobs
$420,000
Charlotte
Fix & Flip / Banking Hub
Financial Services Growth
$416,000
Fayetteville
Ground-Up Construction
Military (Fort Liberty)
$250,000
Asheville
STR / Vacation Rehab
Tourism & Lifestyle
$480,000
Wilmington
BTR / Multi-family
Coastal Migration
$390,000
NC Investment Playbook

Know Your Market Lane

NC is a diverse landscape — strategies and returns vary significantly by city and zip code.

01DSCR · Tech Rentals

Raleigh

The Tech & Innovation Hub

Part of the Research Triangle, Raleigh is one of the fastest-growing metros in the Southeast. Strong job growth and a highly educated workforce drive exceptional rental demand.

Strategy:In-Fill projects — buying older homes in established neighborhoods and doing high-end gut renovations.
Fit:DSCR loans — rental demand from tech workers allows properties to easily meet debt-service ratios.
02Ground-Up · Military

Fayetteville & Cameron

The Military Momentum

Driven by Fort Liberty — one of the world's largest military installations. Constant, stable demand for high-quality housing for military families creates predictable cash flow.

Strategy:Ground-Up Construction. Land is affordable; developers build 5–10 homes at once.
Fit:Construction-to-Perm or Bridge-to-DSCR. Build, lease to military families, cash out into 30-yr fixed.
03STR · Vacation Rehab

Asheville

The Short-Term Rental Capital

Located in the Blue Ridge Mountains, Asheville attracts lifestyle investors year-round. Historic neighborhoods with top-tier Airbnb and VRBO demand.

Strategy:Value-Add Rehabs — fixer-upper mountain cabins turned into high-yield short-term rentals.
Fit:DSCR loans using STR income projections. No long-term lease required.
04BTR · Multi-family

Wilmington

The Coastal Expansion

Beach tourism plus a growing permanent resident base creates steady demand. Limited coastal inventory keeps values strong and rents rising.

Strategy:Build-to-Rent — small clusters of townhomes or duplexes designed to be held as rentals.
Fit:Multifamily Bridge for acquisition + Portfolio DSCR for the exit.

100% Fix & Flip Financing, 90% LTC Ground-Up, and DSCR Rentals with No Minimum across 47 states. No income docs. No reserves. 650+ FICO.

Ready to Fund Your Next Deal?

Submit your deal in 2 minutes. No credit pull. No obligation. Quotes returned same day.

Amexem Capital
Amexem Capital Alliance ACA Lending Partner

High-leverage capital for real estate investors across 47 states. Hard money redefined.

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Contact
erica@acalendingpartners.com(740) 365-5815Google Business Page
© 2026 ACA Lending Partners. This is not a commitment to lend. Rates and terms subject to change. All loans subject to underwriting approval.