Invest passively in North Carolina fix-and-flip projects. Your capital is secured by a second position lien on real property, with a 120-day liquidity option and monthly distributions. No tenants. No toilets. No 5-year lockups. Many sellers also explore read about Sell Your Investment Property Fast NC.
Passive returns on North Carolina real estate. Secured by real property. No tenants, no toilets, no 5-year lockups.
Secured by real property. Monthly distributions. No tenants, no toilets, no 5-year lockups. Related: explore options for Sell House During Divorce NC -- Close in 7 Days.
I put $50K into a Raleigh rehab project and had my capital back in 5 months with a preferred return deposited monthly. No property management calls, no tenant drama, no midnight emergencies. I've done three projects with Cinch since.
Cinch has closed 200+ deals across North Carolina's primary and secondary markets. That track record matters for your money: a local operator with real transactional history in a market can underwrite accurately, execute quickly, and exit at target ARV. We don't subcontract our market knowledge to a third party — every project is underwritten by Ryan Smith, who has personally closed deals in Raleigh, Charlotte, Fayetteville, and dozens of smaller NC markets. You might also be interested in see our guide to sell my house fast in Chapel Hill.
Broad market coverage also means your capital gets deployed faster. When one market slows down, pipeline from another keeps your investment working. No idle capital sitting in a queue. We have active deal flow across the state, so when your investment is funded, we put it to work.
Active deal pipeline across NC's strongest fix-and-flip markets.
The Cinch RE Rehab Fund is a private lending fund that deploys investor capital into fix-and-flip rehabilitation projects across North Carolina. Each loan is secured by a second position lien on real property, providing tangible collateral backing for every dollar invested. If you're weighing alternatives, see our guide to sell my house fast in Smithfield is a helpful resource.
Loan commitments are structured on a short 6-month cycle, keeping capital actively working and reducing long-term exposure. The fund is managed by an experienced operator with a track record of 200+ completed property transactions in the NC market.
Investors earn a preferred return, meaning fund profits are allocated to limited partners before any distributions to the management team. Your capital works for you while our team handles all sourcing, underwriting, rehab management, and disposition.
Complete investor questionnaire, review PPM, fund your account.
Your capital is deployed into vetted NC rehab projects within 4–7 months.
Receive preferred returns monthly via ACH or reinvest via compounding.
After 120 days, redeem with no penalty. Or stay invested for continued returns.
67% LTV means a $100K equity cushion protecting your investment
Example is illustrative only. Actual deal parameters vary. Past performance is not indicative of future results. See PPM for complete terms.
Capital Protection
Every dollar you invest is backed by multiple layers of real asset protection — not promises.
Your investment is secured by a recorded lien on the physical property. If anything goes wrong, you have a legal claim on the real estate.
Properties are acquired at 50-70% of After Repair Value, creating a substantial equity cushion that protects against market downturns.
Every borrower provides a personal guarantee — their personal assets back the loan, not just the property.
NC-licensed title attorney handles every closing. Title insurance protects against liens, encumbrances, and ownership disputes.
Your capital is spread across multiple projects — no single deal concentration risk. Portfolio approach reduces exposure.
In the unlikely event of default, the 50-70% ARV acquisition basis provides substantial equity cushion. The property can be liquidated to recover investor capital. The personal guarantee provides additional recourse. Across 200+ projects, Cinch has maintained a 0% default rate.
Past default rates are not indicative of future performance.
All investment involves risk, including possible loss of principal. Past performance is not indicative of future results. See Private Placement Memorandum for complete terms and risk factors.
Three tiers designed for different investment goals — all backed by the same real property security.
Receive your returns as cash deposited directly to your bank account every month. Ideal for income-focused investors.
Reinvest your returns automatically for accelerated growth. Example: $100,000 at 8% compounding = $108,160 after 12 months.
Returns are targets, not guarantees. See PPM for complete terms.
Target returns are not guaranteed. Past performance is not indicative of future results. Available to accredited investors and select known investors. All investment involves risk, including possible loss of principal. See Private Placement Memorandum for complete terms.
Operational Excellence
Every aspect of the Cinch RE Rehab Fund is managed by operators who do this every day — not passive fund managers.
Every project uses pre-qualified contractors with proven track records. No unknown subs, no cost overruns from inexperience.
Dedicated project managers oversee every rehab from acquisition to sale. Weekly site visits, photo documentation, budget tracking.
Properties acquired at 50-70% of ARV. We say no to more deals than we accept. Discipline protects your capital.
Managing partners invest $100,000+ of personal capital across active projects. We eat our own cooking.
All investment involves risk, including possible loss of principal. See Private Placement Memorandum for complete terms.
See how the Cinch RE Rehab Fund compares to the alternatives investors are actually considering.
| Cinch Rehab Fund Preferred Choice | Crowdfunding Fundrise / CrowdStreet | Stock Market S&P 500 | Savings / CD Traditional Banking | |
|---|---|---|---|---|
| Target Return | 8%+ preferred | 8-12% target | ~10% historical avg | 4-5% APY |
| Minimum Investment | $30,000 | $10 minimum | Any amount | Any amount |
| Time Commitment | 6-month commitment | 5+ year lockup | None (volatile) | FDIC insured (up to $250K) |
| Liquidity | 120-day redemption (no penalty) | Quarterly (with penalties) | Same-day liquidity | Immediate |
| Security | Real property lien | Pooled fund | No collateral | Federal insurance |
| Operator Access | Direct operator relationship | No direct access | N/A | N/A |
| Geographic Focus | Local NC focus | National / diversified | Global | N/A |
| Track Record | 200+ deals, 0% default | Varies by platform | Long-term avg only | Guaranteed (up to limit) |
Unlike crowdfunding platforms that lock your money for 5+ years, access your capital after just 120 days with no penalty.
Your investment is backed by actual NC real estate — not market sentiment, not a pooled fund, not a promise.
Know your operator personally. Visit project sites. Review underwriting. No faceless platform between you and your investment.
Comparison is for illustrative purposes only. Returns are targets, not guarantees. Past performance is not indicative of future results. Stock market returns based on historical S&P 500 average. Savings rates as of 2024. See PPM for complete terms.
Get answers to the most frequently asked questions from prospective investors.
Still have questions about investing?
Request your confidential investor package or call (919) 751-6768 to speak with our team.
Request Your Investor PackageThis FAQ is for informational purposes only and does not constitute an offer to sell or solicitation of an offer to buy securities. All investment involves risk, including possible loss of principal. Past performance is not indicative of future results. See Private Placement Memorandum for complete terms, risk factors, and legal disclosures.
Hear from landlords, portfolio holders, and wholesalers who chose Cinch as their exit partner — real transactions, real outcomes.
I held 8 rental properties in Raleigh and Fayetteville — some performing, some not. Cinch gave me a consolidated offer on all 8, handled the tenant transitions, and closed in 21 days. I rolled the proceeds into a 1031 exchange without missing a deadline. No other buyer I talked to could handle the whole package.
As a wholesaler, I need end buyers who actually close. Cinch has been my go-to disposition partner for over a year. They provide POF same day, never re-trade, and their closing timeline is exactly what they say it will be. I've assigned 5 deals to them and every single one closed on time.
I had a half-finished flip in Durham that my contractor abandoned. I was $40K in and looking at another $60K to finish. Cinch bought it as-is, mid-renovation, and closed in 14 days. I got my capital back and moved on to a better deal. No other cash buyer would touch an unfinished rehab.
Or call our acquisitions desk directly: (919) 751-6768
Cinch Home Buyers was built by an investor, for investors. Ryan Smith has personally underwritten, acquired, renovated, and managed over 200 investment properties across North Carolina. He understands rent rolls, cap rate analysis, CapEx budgeting, 1031 exchange logistics, and the operational realities of managing a real estate portfolio — because he does it every day.
When you submit your portfolio to Cinch, you're not working with a call center or a junior acquisitions coordinator. You're working with an operator who has direct transactional experience in every major NC submarket — Raleigh-Durham, Charlotte, Fayetteville, Greensboro, Wilmington, and dozens of secondary markets. Ryan personally reviews every portfolio submission and oversees underwriting on multi-property transactions.
This is not a wholesale operation that profits by flipping your contract to someone else. Cinch acquires, renovates, and holds investment properties with its own capital. When we make you an offer, it's backed by our balance sheet — not a buyer we haven't found yet.
As managing partner of the Cinch RE Rehab Fund, Ryan personally invests $100,000+ across active projects. Every deal is underwritten with operator skin in the game — aligning his interests directly with fund investors. With a historically zero default rate across 200+ properties, conservative underwriting discipline, and in-house project management, Ryan brings the same operational rigor to fund management that built Cinch's acquisition track record.
Every property Cinch acquires gets put back to productive use — renovated to modern standards, occupied by quality tenants, and contributing to neighborhood stability. Our acquisition activity directly supports NC's housing supply by rehabilitating properties that would otherwise sit vacant and deteriorate. We also maintain an active community fund, with a commitment to donate $275,000 to North Carolina charities by 2030.
When you sell your investment properties to Cinch, you're not just exiting a position — you're transferring those assets to an operator who will improve them and reinvest in the communities where they're located.
We're selective about our lending partners — and you should be selective about where your capital goes. Request our investor package and speak directly with Ryan before committing a dollar.
We'll send current projects, return history, and fund docs within 24 hours.
We'll send your investor package within 24 hours.
For faster response, call (919) 751-6768.