Easy Street Capital is proud to be a leading private lender for The Palmetto State! We offer industry leading Hard Money and DSCR Loans for every type of South Carolina Real Estate Investor. Easy Street Capital is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies such as Short Term Rentals, Fixing and Flipping and the BRRRR Method! Our South Carolina DSCR Loans are perfect rental loans for the long-term real estate investor looking for cash flow. Our South Carolina Hard Money Loans are ideal for renovators looking to add value through rehabs or ground-up construction!

Check out the rest of this South Carolina Investment Property Loans page for all the information you need on our loan programs. Check out recently funded rental loans in the Palmetto State, information on all of our loan programs, FAQs, market analysis and more!

Real Estate investors looking for cash flow and financial freedom are flocking to South Carolina to build rental property portfolios. The Palmetto State is a current favorite of real estate investors due to many factors. These include a strong and stable economy, low vacancy rates and steady demand for rental housing due to a fast-growing population! According to the World Population Review, South Carolina ranked in the top three states for population growth in 2024! Yes, that’s population growth higher than Texas, Florida and neighboring North Carolina. Easy Street Capital is proud to be a leading provider of investment property loans in South Carolina!

Types of Investment Property Loans in South Carolina

There are many markets and types of investment property loans in South Carolina for investors to choose from. For investors that like to get their hands dirty, rehabbing run down properties, hard money renovation loans are a perfect choice! These loans allow you to buy a property quickly and finance your rehab costs as well! Once you are done, you can either “flip” the property for a quick profit or pursue the BRRRR Strategy by renting it out and then refinancing into a long-term, low-rate DSCR loan!

Long-term DSCR loans offer excellent investment opportunities for individuals seeking to invest in turnkey rental properties. "Turnkey" properties are those that are ready for immediate occupancy and require no renovations. They are typically single-family homes that are fully furnished for either short-term or medium-term rentals, and are ideal for generating cash flow and potential price appreciation.

DSCR Loans are typically offered at fixed interest rates for thirty years, which provides long-term stability to investors. Given the steady increase in rental income and property appreciation over time, this fixed interest rate is beneficial in keeping the cost of debt constant while the cash flow increases over time. This makes it an attractive investment strategy for those seeking long-term financial stability.

South Carolina is a great state for investing in rental properties due to its friendly tax regime. While investors utilizing rental loans nationwide are familiar with the tax benefits of smartly using debt to take advantage of interest deductions, investing in South Carolina offers additional tax benefits. South Carolina has a relatively low property tax rate compared to other states at 6%. Additionally, South Carolina offers several tax credits for rehabilitating historic properties, which BRRRR method investors can take advantage of. Property owners who rehabilitate a historic property may be eligible for a tax credit worth up to 25% of the renovation costs.

That being said, it’s important to note that tax laws can change. The specifics of these incentives may vary depending on the location and type of property you are investing in. It’s always a good idea to consult with a tax professional before making any investment decisions.

Where To Invest In Real Estate In South Carolina

South Carolina is a great market for real estate investment properties because of the diverse options. The state offers great potential for each type of real estate investor and strategy. Charleston is a popular tourist destination as well as the largest city in the state. When combined with North Charleston, the city has a population of over 250,000. Columbia is the state’s second largest city, capital and home to the University of South Carolina. Greenville is a growing secondary market that’s very well-located, approximately halfway between Atlanta, Georgia and Charlotte, North Carolina along Interstate 35. Myrtle Beach is a well-known beach vacation town that’s great for short term rentals. Spartanburg is a smaller city, but one with a growing economy in the rapidly growing Upstate region. Each of these markets in South Carolina can be great for investors utilizing rental loans to secure investment properties!

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Are you a Property Manager, Full-Scale Mortgage Broker (including Conventional, Non-QM) or Investor-Friendly Real Estate Agent in South Carolina? We are looking for trusted professionals in South Carolina to refer our investor borrowers too! Comment or DM me to discuss, and we can potentially feature you on our website!