Serving Mooresville, Lake Norman and the Charlotte region

A family helping families build wealth.

FK & Associates is a family-owned real estate and contracting firm. We find the property, estimate and manage the renovation, line up the financing, and list it when it's done. One team from start to finish.

Talk to our team See what we do

Who we work with

Real estate investorsFull-service flips and rentals, from prospecting to listing.

Multi-unit buyersDuplexes to fourplexes with low-down-payment FHA or conventional loans.

First-time homeownersRenters ready to stop paying someone else's mortgage.

HomeownersLicensed renovation and repair work on your own property.

Agents and contractors under one roof.

Most buyers juggle an agent, a contractor, a lender and a listing agent who never talk to each other. We handle all of it, so nothing falls through the cracks.

Buying & selling

Licensed agents representing buyers and sellers across a 12-county Charlotte–Lake Norman corridor, with a focus on residential and multi-unit investment property.

Renovation & contracting

Our general contractor license means repair estimates come from the people who will actually do the work, and we manage the job through to completion.

Financing coordination

We arrange hard money financing for investment projects and handle the lender documentation, and we help owner-occupants use FHA and conventional options.

Multi-unit investing

Live in one unit and rent the others. We help buyers get into duplexes, triplexes and fourplexes with a low down payment, so tenants help cover the mortgage.

One team, from first showing to final listing.

Bring us your goals and your budget. We run the whole project and keep you updated at every step.

Find the propertyWe prospect deals that fit your numbers.
Estimate repairsReal renovation costs from our licensed GC.
Arrange financingHard money lined up for purchase and rehab.
Manage the renovationWe run the crew, schedule and budget.
Handle lender paperworkDraws and documentation, taken care of.
List & sellWe market the finished property and close it out.

See the difference in our recent renovations.

We handled the design, the crew and every finish on these homes. Drag the slider on each photo to compare before and after.

Taylorsville renovation

A wooded-lot fixer rebuilt top to bottom with a new timber-frame entry.

Exterior after renovation — **Exterior**Board-and-batten siding, cedar timber porch, shutters and window boxes

Exterior before renovation — **Exterior**Board-and-batten siding, cedar timber porch, shutters and window boxes

Kitchen after renovation — **Kitchen**Shaker cabinets, quartz counters, farmhouse sink and new appliances

Kitchen before renovation — **Kitchen**Shaker cabinets, quartz counters, farmhouse sink and new appliances

Bathroom after renovation — **Bathroom**Glass-enclosed tile shower, freestanding tub and custom vanity

Bathroom before renovation — **Bathroom**Glass-enclosed tile shower, freestanding tub and custom vanity

Bailey Rd renovation

A worn-out ranch brought back with new siding, roof, kitchen and baths throughout.

Living & kitchen after renovation — **Living & kitchen**Water-damaged rooms opened into a bright living, dining and kitchen space

Living & kitchen before renovation — **Living & kitchen**Water-damaged rooms opened into a bright living, dining and kitchen space

Primary bathroom after renovation — **Primary bathroom**Tiled walk-in shower, freestanding tub and a walnut vanity

Primary bathroom before renovation — **Primary bathroom**Tiled walk-in shower, freestanding tub and a walnut vanity

Bedroom after renovation — **Bedroom**Damaged walls and floors replaced with fresh drywall, trim and new flooring

Bedroom before renovation — **Bedroom**Damaged walls and floors replaced with fresh drywall, trim and new flooring

Hickory renovation

A tired bungalow turned into a move-in-ready home.

Living area after renovation — **Living area**Opened up with a vaulted ceiling, recessed lighting and new flooring

Living area before renovation — **Living area**Opened up with a vaulted ceiling, recessed lighting and new flooring

Renovation work you can plan around.

Whether it's a full investment-property rehab or a project on your own home, you get a clear written quote and one point of contact until the job is done.

NC General Contractor License #78602

Full-property rehabsKitchens, baths, flooring, paint and systems for flips and rentals.

Rental turnoversGet units rent-ready quickly between tenants.

Pre-sale repairsFix what inspectors and buyers will flag before you list.

Finish carpentry & upgradesTrim, crown molding, doors and the details that add value.

Tristan Karmatz, realtor with FK and Associates — Tristan KarmatzRealtor & Project Manager

Family-owned, locally rooted.

FK & Associates is run by father and son Freddy and Tristan Karmatz. We started out helping renters become first-time homeowners and start building equity. Today we also serve investors who want a single, trusted team to take a property from purchase to profit.

We'll give you honest numbers, straight answers and no pressure, the way we'd want our own family treated.

Let's talk about your next move.

Buying your first home, adding to your portfolio, or planning a renovation? Reach out and we'll walk you through your options.

Call 704-775-5589 tristan@fkandassociates.com

Construction

A family helping families build wealth.

Who we work with

Agents and contractors under one roof.

Buying & selling

Renovation & contracting

Financing coordination

Multi-unit investing

One team, from first showing to final listing.

See the difference in our recent renovations.

Taylorsville renovation

Bailey Rd renovation

Hickory renovation

Renovation work you can plan around.

Family-owned, locally rooted.

Let's talk about your next move.

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