Do you finance short-term vacation rentals in Charleston, Hilton Head, and Myrtle Beach?

Yes. We finance short-term rental (STR) properties across the Grand Strand, Hilton Head, Isle of Palms, and Folly Beach. Each of these municipalities has its own STR permitting and zoning rules — Charleston peninsula in particular restricts new STR permits. We underwrite on property value and local long-term rent comps, so a property must pencil even without STR income.

How do South Carolina 6% vs 4% assessment ratios affect my rental underwriting?

South Carolina taxes non-owner-occupied real estate at a 6% assessment ratio, versus 4% for primary residences. That difference roughly doubles your annual property tax bill on the same property. We use the investor-rate tax bill in every South Carolina underwrite so the numbers reflect what you'll actually pay after closing.

Do you finance BMW, Boeing, and Michelin corridor rentals in the Upstate?

Yes. Greenville, Spartanburg, and the I-85 corridor draw steady tenant demand from BMW's Spartanburg plant, Michelin's North American HQ, and Boeing's Charleston campus. We finance single-family, small multifamily, and workforce housing near these employment centers.

Can I finance investment properties in flood-prone coastal South Carolina zones?

Yes, but flood insurance is required on properties in FEMA Special Flood Hazard Areas — common throughout Charleston, Beaufort, and Horry counties. We'll verify flood zone at underwriting and factor the annual premium into your net cash flow. Post-hurricane rebuild timelines and elevation certificates can also affect eligibility on older coastal stock.

Charleston South Carolina historic district with colorful buildings and palm trees

South Carolina Investment Property Loans

Financing for South Carolina real estate investors. Rental, commercial, and bridge loans with same-day approval and 13-day closings.

Rental, Commercial & Bridge Loans

We Underwrite the Property, Not Its Income

75% LTV, up to 90% CLTV with Seller Carry

Same-Day Approval Available

Close in 8–13 Business Days

Have a deal in mind? You bring the deal - we'll tell you if it fits.

Want to See Your Financing Options?

Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.

140+ South Carolina deals closed

Loans Closed

0 yrs

Track Record

0 days

Avg. Close

Max CLTV

Member & Affiliated American Association of Private Lenders

Florida Association of Mortgage Professionals

South Carolina-focused asset lending since 2001. We know this market.

South Carolina Investment Property Financing

Here Is What Your Loan Looks Like

South Carolina's rental demand is climbing. We help you move on it.

30-Year Fixed & Bridge Options

Rental & Bridge Loans

1-5 Unit Residential Properties

NO DSCR required or income verification

No tax returns required

Close in 8–13 business days

Loan amounts: $100K – $5M

Up to 90% CLTV (purchase) | 70% LTV (cash-out)

30-year fixed & bridge options available

Property Types

Single-family homes, duplexes, triplexes, fourplexes, small multifamily

Flexible Commercial Terms

Commercial & Mixed-Use

1-5 Unit Properties

Mixed-use buildings with residential units

Retail, office, industrial properties

NO DSCR required on qualifying properties

Loan amounts: $100K – $5M

70% LTV (cash-out) | 90% CLTV (purchase)

13-day closings

Flexible deal terms

Property Types

Mixed-use buildings, retail spaces, office buildings, industrial properties

Simple Documentation

Required Documents

Purchase contract or current mortgage statement

Photo ID

Corporate docs (if held in entity)

Property insurance (at closing)

That's it. No Tax Returns, No Bank Statements, No Employment Verification

Seller Carry Allowed: Up to 90% CLTVBring 10% down. Seller carries a second. Most lenders won't touch this.

You've Probably Been Through This Before

Boxes to check. Ratios to hit. And somewhere along the way, the deal just... stalls.

What You've Probably Heard

"Your DSCR doesn't qualify"
"We need a higher credit score"
"Send us two years of tax returns"
"We'll get back to you in a few weeks"
"We can't move forward right now"

How We Look at It

We start with the property itself
Credit history doesn't disqualify you
No tax returns or bank statements needed
You'll hear back within an hour
We know South Carolina's coastal and inland rental demand
A clear answer, either way

Sound different? Send us your South Carolina deal and find out in an hour.

Recently Closed in South Carolina

Charleston, SC – Investment Property Purchase

$345,000

Purchase Price

$259,000

Loan Amount

9 days

Closed in

630

Credit Score

Coastal rental property

LLC-held investment

No income docs, funded direct

📝 Want to see what your loan would look like? Get a same-day term sheet tailored to your South Carolina property.

Frequently Asked Questions - South Carolina Investment Property Loans

Have more questions about South Carolina investment property financing?

Loan Programs for South Carolina Investors

Choose the program that matches the property and financing need.

Rental Property Loans

Purchase or refinance eligible non-owner-occupied 1–4 unit rental properties.

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Bridge Loans

Short-term financing for purchases, refinances, and maturing investment-property debt.

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Multifamily Loans

Purchase or refinance eligible apartment properties with five or more units.

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Commercial Property Loans

Financing for eligible office, retail, mixed-use, industrial, and warehouse properties.

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Ready to Finance Your South Carolina Property?

Whether you are purchasing or refinancing, we will give you a clear answer fast. No runaround, no paperwork overload. Just investor-focused financing that works.

Specialized financing solutions for South Carolina real estate investors seeking fast, flexible funding options. Expert South Carolina market knowledge since 2001.

🏠 South Carolina Rental Loans →🌉 South Carolina Bridge Loans →🏢 South Carolina Commercial Loans →🌍 Foreign National South Carolina Loans →

Serving South Carolina investors in: Charleston, Columbia, North Charleston, Mount Pleasant, Rock Hill, Greenville, Summerville, Goose Creek, Hilton Head, Florence, Spartanburg, Myrtle Beach, Bluffton

Specialized South Carolina markets: South Carolina bridge loans | South Carolina multifamily property financing | South Carolina commercial real estate loans | South Carolina bridge loan specialists | South Carolina rental property refinancing

Core loan programs: South Carolina investment property loans | rental property loans South Carolina | South Carolina commercial property loans | NO DSCR required loans South Carolina | direct lender South Carolina real estate | bridge loans for investors in South Carolina

Note: Loan terms, rates, and availability subject to underwriting approval and may vary by South Carolina location.