Home / Investor Financing

Financing Built forReal Estate Investors.

Whether you’re acquiring your first rental, scaling a portfolio, flipping a distressed property, or structuring a commercial deal — we have the loan products and the lender relationships to get it funded. No W-2 required. No banker who doesn’t understand real estate.

SUBMIT A DEAL TALK TO A BROKER

WHY LOWCOUNTRY LENDING GROUP FOR INVESTORS

We Speak Investor.

Most mortgage brokers are set up for primary home buyers. We work with real estate investors every day — buy-and-hold, BRRRR, fix-and-flip, short-term rental, construction, and commercial. That means we know what underwriters actually look for, which lenders move fast, and how to structure deals that close.

What sets us apart:

Independent broker — access to 50+ wholesale lenders, including specialty investor lenders most brokers can’t offer

Loan products that qualify on rental income (or no rental income), not your tax returns

Experience with LLCs, multiple-entity structures, and large portfolios

Nationwide residential & commercial lending available

Fast turnarounds when timing matters — because in real estate, it always does

INVESTOR LOAN PROGRAMS

Loan Programs for Every Investment Strategy

DSCR Loans — Debt Service Coverage Ratio

Qualify on the rental income of the property. Your W-2 is irrelevant.

No personal income verification or tax returns required

Qualification based on monthly rent vs. monthly debt service (DSCR ratio)

Sub 1.0x DSCR and No Ratio products available for the right deal

Construction exit loans — close without a lease in place

Long-term rentals, short-term rentals (Airbnb/VRBO), and vacation properties

Single-family, 2–4 unit, condos, and small multifamily

LLCs and entity borrowers accepted

Nationwide residential & commercial lending available

Learn More About DSCR Loans

Conventional Investment Property Loans

For 1–4 unit investment properties where conventional financing makes the most sense.

Purchase or refinance of single-family and 2–4 unit investment properties

Rates and terms competitive with bank financing — often better

Down payments from 15–25% depending on property type

Can hold up to 10 financed properties (Fannie Mae guidelines)

Best fit: strong credit, conventional income, stable rental market

Learn More About Conventional Loans

Bridge, Construction & Rehab Loans

Short-term capital to move fast — whether you’re buying, building, or renovating.

Bridge loans: secure the next deal before the current one sells

Fix-and-flip: purchase + renovation costs bundled in one loan

Ground-up construction: new builds for primary homes and investment properties

Rehab financing: value-add plays on distressed or dated properties

Interest-only payment structures available

Residential and commercial properties eligible

Learn More About Bridge & Rehab Loans

Commercial & Portfolio Loans

For investors who’ve outgrown residential lending — or who were never there to begin with.

5+ unit multifamily and apartment buildings

Mixed-use, retail, office, and light industrial

Horizontal & vertical development financing

Speculative development financing — horizontal and vertical

Portfolio loans for investors holding multiple properties under one structure

Small-balance commercial: typically $500K–$10M

Cash-out refinance on stabilized investment portfolios

Nationwide lending available

Larger commercial loans available up to $100M+

Learn More About Commercial Loans

INVESTOR LOAN PROGRAMS

Loan Programs for Every Investment Strategy

Not sure which product fits your deal? Here’s a quick reference:

Your Strategy

BUY-AND-HOLD RENTAL (LONG-TERM)

SHORT-TERM RENTAL / AIRBNB

NEW CONSTRUCTION EXIT (NO LEASE YET)

FIX-AND-FLIP

GROUND-UP NEW CONSTRUCTION

BUY BEFORE YOUR CURRENT PROPERTY SELLS

5+ UNITS / MULTIFAMILY

SPECULATIVE / HORIZONTAL / VERTICAL DEVELOPMENT

PORTFOLIO REFINANCE / CASH-OUT

LARGE COMMERCIAL DEAL ($10M+)

STRONG W-2, 1–4 UNIT INVESTMENT PROPERTY

SELF-EMPLOYED INVESTOR, TAX RETURNS ARE MESSY

NOT SURE — COMPLEX DEAL

Mixed Use Loan

DSCR Loan

DSCR Loan (STR income accepted)

DSCR Construction Exit

Bridge / Rehab Loan

Construction Loan

Bridge Loan

Commercial Loan

Commercial / Speculative Finance

Portfolio or Commercial Loan

Commercial — up to $100M+

Conventional Investment Loan

DSCR or Bank Statement Loan

Call us — 843.800.0178

LLC & ENTITY LENDING

We Lend to LLCs and Investment Entities.

Most retail banks won’t lend to LLCs — or they make it so painful it’s not worth it. We work with investor lenders who are built for it. If your properties are held in an LLC, series LLC, or other entity structure, we can work with that.

Single-member and multi-member LLCs accepted

Corporate and trust borrowers on select programs

No seasoning requirements on entity formation for most programs

Personal guarantee typically required — but not always

Already have a portfolio structured across multiple entities? We can work with that too. Tell us your structure upfront and we’ll identify what’s possible.

We Lend to LLCs and Investment Entities.

NATIONWIDE COVERAGE

South Carolina Roots. Nationwide Reach.

Our residential home loan business is focused on South Carolina — we know this market. But for investment and commercial deals, we work with clients across the country. If you’re a SC-based investor buying out of state, or an out-of-state investor buying in the Lowcountry, we’ve got you covered.

South Carolina — all loan types

Investment & Commercial — nationwide

Large commercial loans available up to $100M+

HOW IT WORKS

How the Process Works for Investors

Step 1 — Submit Your Deal

Tell us about the property, your strategy, your entity structure, and your timeline. Use our deal submission form or call us directly. The more detail you give us, the faster we can move.

Step 2 — We Match You to the Right Lender

We shop your deal across our network of investor-specific lenders — not just one bank’s product shelf. We come back to you with options: rates, terms, leverage, and a straight recommendation

Step 3 — Fast-Track to Close

Once you’re locked in, we handle the coordination — lender, title, insurance, and any conditions. Our job is to make sure nothing slips between now and closing day.

SUBMIT A DEAL SCHEDULE A CALL

Investor FAQ

Do I need to show personal income to qualify for a DSCR loan?

No. DSCR loans qualify based on the income the property generates relative to its debt obligations — not your personal tax returns or W-2. This makes them the go-to product for investors with complex income, heavy write-offs, or multiple entities.

How many properties can I finance?

We know the industry and know how much other companies are trying to make off every loan. We have our comp levels set at least a half point lower than the competition which allows our company to always provide the lowest rate at the lowest cost on any given day.

Financing Built forReal Estate Investors.

WHY LOWCOUNTRY LENDING GROUP FOR INVESTORS

We Speak Investor.

What sets us apart:

INVESTOR LOAN PROGRAMS

DSCR Loans — Debt Service Coverage Ratio

Conventional Investment Property Loans

Bridge, Construction & Rehab Loans

Commercial & Portfolio Loans

INVESTOR LOAN PROGRAMS

Your Strategy

Mixed Use Loan

LLC & ENTITY LENDING

We Lend to LLCs and Investment Entities.

NATIONWIDE COVERAGE

South Carolina Roots. Nationwide Reach.

South Carolina — all loan types

HOW IT WORKS

How the Process Works for Investors

Investor FAQ

Do I need to show personal income to qualify for a DSCR loan?

How many properties can I finance?

Can I use projected rental income to qualify, or does the property need to be leased?

How fast can you close an investment property loan?

Do you work with first-time investors?

What's the minimum down payment for an investment property?

LET’S TALK

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