ALFIE is your spec loan financing specialist in Gastonia, NC.
We offer common sense financing packages forcontractors and real estate investors. Our loans are offered at a fixed rate of 12% for a term of 12 months with a 2% origination fee. Our average borrow’s cost of capital is between 7-8% of project cost.
These loans are specifically for spec-home builders, investors, and developers who need financing for projects. ALFIE does not provide construction financing for owner-occupied residences.
- No tax return is required
- The process is simple and fast
- Only pay interest on the money drawn
- Up to 100% Financing is available, including soft costs
Get Started Today
Fill out the form below and one of our loan originators will contact you quickly to answer any questions about your project and our loan programs.

Gastonia, NC Real Estate Investments
Gastonia, NC, is a fantastic choice for both living and investing in real estate, thanks to its dynamic blend of community charm and economic vitality. Nestled in the heart of the Piedmont region, Gastonia offers residents a welcoming atmosphere with a rich history and plenty of modern amenities. The city has seen notable population growth, reflecting its appeal as a growing hub for families and professionals alike. In recent years, Gastonia’s population has increased by over 8%, highlighting its attractiveness as a residential destination. This growth is supported by a diverse local economy that spans industries such as manufacturing, healthcare, and retail, providing a stable economic foundation and numerous employment opportunities for residents.
Investing in real estate in Gastonia presents an exciting opportunity for both seasoned investors and newcomers to the market. The city’s real estate market is vibrant and varied, offering a range of options from historic homes with character to modern developments suited for contemporary living. Property values have shown steady appreciation, making Gastonia an attractive prospect for those looking to build wealth through real estate. Additionally, ongoing investments in infrastructure and community development, including parks, schools, and cultural amenities, enhance the overall quality of life and contribute to the city’s appeal. Whether you’re considering purchasing a family home or exploring investment opportunities like fix-and-flip projects, Gastonia stands out as a promising location where living and real estate investment converge seamlessly.
Are you looking to invest in Gastonia, NC? Let the Real Estate experts at ALFIE help you get the financing you need for your next project.
We are not bankers.
We’re Real Estate People
We provide simple spec home financing and a common sense approach that allows for fast closings and fast construction draws.
Let’s Invest In Gastonia, Together
ALFIE is a locally owned and operated financing provider that believes in the growth of Gastonia because the city emerges as an ideal location for real estate investments, particularly for building spec homes and engaging in fix-and-flip projects, due to several key factors. Firstly, the city’s growing population and economic stability create a robust demand for housing. With an increase in population by over 8% in recent years, there’s a clear indication of a thriving residential market hungry for new housing options. Building spec homes tailored to modern lifestyles or renovating existing properties for quick resale can meet this demand effectively.
Secondly, Gastonia’s real estate market offers favorable conditions for investors. Property prices are relatively affordable compared to nearby metropolitan areas, allowing for potentially higher returns on investment. The city’s diverse neighborhoods and range of housing styles cater to different buyer preferences, offering flexibility for developers and investors alike. Whether you’re looking to cater to young families, retirees, or professionals commuting to Charlotte, Gastonia’s market diversity supports various real estate strategies.
Moreover, ongoing community development initiatives, such as improvements in infrastructure, schools, and recreational facilities, contribute to the city’s appeal and enhance property values over time. These investments not only improve quality of life but also make Gastonia a more attractive destination for potential buyers and renters. In conclusion, Gastonia’s combination of population growth, economic stability, affordable property prices, and community development make it a prime location for successful real estate investments, whether you’re building spec homes or undertaking fix-and-flip projects.
Understand The Process
1. Apply
Complete the CONTACT US/APPLY NOW form shown above. Or call us at (828)776-8632 to connect with a loan originator.
2. Due Dilligence & Underwriting
An ALFIE loan originator will guide you through the process of providing all the details we need. Our team will answer your questions about our loan programs.
3. Loan Commitment
Once all your paperwork is complete, we move quickly. It typically only takes 3 weeks to go from Application to Closing.
4. Closing
Just a few signatures and you’re ready to get to work doing what you do best.
5. Construction Draws
Draws a painless and fast. And you only pay interest on the money that is drawn.
6. Loan Payoff
ALFIE loans are often paid off in less than 9 months. And we’ll be here when you’re ready to do it all again.