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Whytni M. Cline

Counsel
Charlotte | 704.335.9497
Fax | 704.334.4706

Whytni Cline focuses her practice on commercial real estate finance, where she represents banks and other financial institutions in acquisition, construction, refinancing, and revolving loan transactions involving a range of property types and industries. Her work includes advising lenders on financing for construction projects, retail developments, multifamily housing, office buildings, industrial properties, hotels, and self-storage facilities. Whytni has represented lenders in transactions secured by real estate collateral in over 20 different states.

Whytni also counsels financial institutions, creditors, and trustees on bankruptcy and creditors' rights, including representing lenders in loan workouts, forbearance agreements, loan amendments, and foreclosures.

Before joining Parker Poe, Whytni practiced at a regional law firm. Earlier in her career, she practiced in West Virginia, where she served as bond counsel, underwriter's counsel, lender's counsel, and local counsel for public and private issuances of taxable and tax-exempt municipal bonds for municipalities, universities, and hospitals. During the 2020 legislative session, she also served as counsel to the West Virginia House of Delegates Judiciary Committee.

Whytni earned her law degree from the University of Kentucky College of Law, where she served as senior staff editor of the Kentucky Journal of Equine, Agriculture and Natural Resource Law and was the student representative on the Admissions Committee. Whytni received her bachelor's degree from Concord University, where she was captain of the volleyball team and president of the Student Athlete Advisory Committee. 

Representative Experience

  • Represented financial institutions in acquisition and construction loans for multifamily apartment complexes and townhomes, including:
    • $40 million construction loan for a 300-unit multifamily apartment complex in Douglasville, Georgia.
    • $56 million syndicated construction loan for a 318-unit multifamily apartment complex in Charlotte, North Carolina.
    • $33 million construction loan for 215 townhome units with associated amenities in Conyers, Georgia.
    • $46 million acquisition loan for a 314-unit multifamily apartment complex in Belmont, North Carolina.
    • $55 million construction loan for a 277-unit multifamily apartment complex in Greenville, South Carolina.
    • $56 million syndicated construction loan for a 256-unit multifamily apartment complex in Chapel Hill, North Carolina.
    • $35 million loan for acquisition of a 46-unit multifamily apartment complex and construction of a 27-unit multifamily apartment complex in Coconut Grove, Florida.
    • $31 million construction loan for a 218-unit multifamily apartment complex in New Braunfels, Texas.
  • Advised financial institutions on acquisition, construction, and upfit financing for retail centers, including:
    • $59 million syndicated construction loan for construction of a grocery store and approximately 80,000 square feet of other retail stores together with 140 build-to-rent townhomes in Rolesville, North Carolina.
    • $55 million syndicated acquisition and upfit loan for an approximately 650,000-square-foot retail shopping center in Orland Park, Illinois.
    • $21 million upfit loan for an approximately 60,000-square-foot grocery-anchored retail center in Lake Mary, Florida.
    • $28 million acquisition loan for the acquisition of an approximately 350,000-square-foot retail shopping center in Norton Shores, Michigan.
    • $31 million acquisition loan for the acquisition of an approximately 300,000-square-foot retail shopping center in Roanoke, Virginia.
    • Served as lender’s counsel on self-storage financing transactions, including loans to construct facilities and refinance existing debt.
    • $6 million loan for the refinance of a 732-unit self-storage facility in Winston-Salem, North Carolina.
    • $14 million construction loan for construction of an approximately 90,000-square-foot self-storage facility in Totowa, New Jersey.
    • $12 million construction loan for construction of a 1,062-unit self-storage facility in Reno, Nevada.
    • $11 million construction loan for construction of a 988-unit self-storage facility in Fayetteville, Georgia.
  • Counseled lenders on hotel financing transactions, including loans to acquire hotel properties and refinance existing hotel debt.
    • $47 million refinance loan for 174-room hotel in Palo Alto, California.
    • $33 million acquisition loan for 151-room hotel in Greenville, South Carolina.
    • $12 million acquisition loan for 92-room hotel in Burlington, North Carolina.
    • $74 million syndicated refinance loan for a 191-room hotel and a 156-room hotel in Austin, Texas.
    • Represented financial institutions in industrial real estate financing transactions, including loans for warehouse acquisitions, facility construction, and refinancing existing debt.
    • $48 million construction loan for construction of three industrial facilities of approximately 800,000 square feet in Concord, North Carolina.
    • $38 million construction loan for construction of two industrial facilities of approximately 435,000 square feet in Raleigh, North Carolina.
    • $55 million construction loan for construction of approximately 1,200,000 square feet of industrial warehouses in Whiteland, Indiana. 
    • $112.5 million syndicated construction loan for construction of an industrial warehouse in New Stanton, Pennsylvania.
    • $65 million loan for the refinance of an approximately 460,000-square-foot industrial facility and construction of an approximately 245,000-square-foot industrial facility in Montgomery, Alabama.
  • Represented borrowers and guarantors in a construction loan for a multifamily apartment complex.
  • Advised lenders on fast-food restaurant, convenience store, and gas station financing transactions, including revolving lines of credit, acquisition loans, construction loans, and refinancing existing debt, such as:
    • $50 million line of credit loan for the acquisition of existing stabilized retail and restaurant properties.
    • $35 million line of credit loan for the acquisition of existing stabilized retail and restaurant properties.
  • Counseled financial institutions in acquisition and refinance loan transactions for office space, including: 
    • $67 million refinance loan for office buildings in Raleigh, North Carolina.
  • Represented a private lender in a North Carolina foreclosure involving commercial real property.
  • Advised lenders on forbearance agreements and amendments, real property foreclosure in North Carolina, and sales of business assets.
  • Advised financial institutions on the phaseout of LIBOR and transitioning to an alternative interest rate index.

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Honors & Awards

  • The Best Lawyers in America "Ones to Watch" in Banking and Finance Law, 2026; Bankruptcy and Creditor Debtor Rights / Insolvency and Reorganization Law, 2026; Real Estate Law, 2026