Private Lending in South Carolina

Residential investment financing across South Carolina’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Market Overview

Investing in South Carolina

South Carolina combines coastal tourism, manufacturing, and military presence to drive diverse real estate activity. Charleston's appeal spans vacation rentals and professional employment. Median prices ($280,000) reflect regional variation. Property taxes are low (0.75%), and landlord-friendly laws support efficient portfolio operations.

The state's no-income-tax position on military retirement income attracts service members and retirees. Population growth remains steady. For buy-and-hold investors emphasizing cash flow and operational ease, South Carolina offers compelling risk-adjusted returns.

Lending Areas

South Carolina Markets We Serve

We lend across South Carolina’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Charleston Greenville Columbia Myrtle Beach Savannah area

Loan Programs

Available in South Carolina

Every loan program we offer is available to qualified borrowers and properties in South Carolina.

Bridge Loans

Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.

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DSCR Rental Loans

30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.

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Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

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New Construction Loans

Capital for home builders to leverage their lot position and break ground on new residential projects.

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Build to Rent Loans

Financing for purpose-built rental communities and single-family rental developments.

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Key Data

Market Snapshot

Median Home Price

$280,000

Property Tax Rate

0.75%

Population Growth

1.1% annually

Annual Permits

~15,000 annually

Landlord Friendly

Yes

Top Yield Market

Greenville

Strategies

What Works in South Carolina Right Now

Charleston Historic & Vacation Rental Hybrid

Charleston's tourism and historic character support vacation rental premium income. Acquire properties with vacation appeal. Blend seasonal vacation income with winter long-term rentals or owner-occupancy.

Greenville DSCR Portfolio at Scale

Greenville's manufacturing and professional employment offer stable rental demand. Acquire 5–8 properties ($200K–$280K). Cap rates of 5–6% with low property taxes and landlord-friendly laws.

Myrtle Beach Seasonal & Golf Community Plays

Myrtle Beach's resort and golf economy support seasonal rental income. Target golf community properties. Hybrid seasonal/long-term rental. Bridge and DSCR financing.

Questions

Frequently Asked Questions

What are South Carolina's property tax rates?

South Carolina property tax averages 0.75% of assessed value, among the lowest in the nation. This creates strong DSCR cash-flow returns. No income tax on military retirement income.

Are there landlord-friendly eviction laws?

South Carolina is landlord-friendly. Evictions require 3 days' notice. Court proceedings typically conclude within 2–3 weeks. No just-cause requirement. Deposits and entry fees are permissive.

Can landlords raise rents without restriction?

Yes. South Carolina has no rent control. Landlords can set and raise rents freely, enabling predictable DSCR underwriting.

What rental income can I expect in South Carolina?

Charleston rentals range $1,200–$1,600/month on $250K–$320K properties. Greenville supports $900–$1,150/month on $200K–$280K basis. Myrtle Beach commands seasonal premiums. Cap rates of 5–7% are common.

Other Markets

Also Lending In

North Carolina Georgia

Start Your South Carolina Investment

Our team has deep experience financing residential projects across South Carolina. Reach out to discuss your next deal.

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