Licensed & LendingHard Money & DSCR Loans in South Carolina
Capital Kings funds South Carolina investor loans. Hard money, DSCR, and bridge across Charleston, Columbia, Greenville, and Myrtle Beach. SC blends strong appreciation (Charleston, Greenville) with high STR yields (Myrtle Beach, Hilton Head) and consistent rental demand statewide.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds South Carolina Deals
Charleston STR zoning is restrictive and our lenders know which neighborhoods qualify. Greenville is one of the fastest-growing small cities in the Southeast with strong flip and rental demand. Myrtle Beach STR DSCR loans get priced on projected income with appraisers who use STR comps.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for South Carolina fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for South Carolina buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. South Carolina growth corridors specifically.
Active Markets
Cities We Fund Across South Carolina
Active lending across South Carolina's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for South Carolina Investors
Charleston STR-zoned DSCR loans
Available statewide for South Carolina investors.
Greenville fix-and-flip in 7-10 days
Available statewide for South Carolina investors.
Myrtle Beach STR financing
Available statewide for South Carolina investors.
Bridge financing for coastal multifamily
Available statewide for South Carolina investors.
Common Questions
South Carolina Lending FAQ
Do you lend hard money loans in South Carolina?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across South Carolina through our 270+ lender network. We close South Carolina deals in as little as 7 days.
What cities in South Carolina does Capital Kings lend in?
We fund investor loans statewide in South Carolina, with active deal flow in Charleston, Columbia, Greenville, Myrtle Beach, Mount Pleasant and the surrounding metros.
Do you offer DSCR rental loans in South Carolina?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across South Carolina on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a South Carolina hard money loan close?
Most South Carolina fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a South Carolina fix-and-flip loan?
As little as 0% down on the right deal. Most South Carolina hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in South Carolina can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
South Carolina Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every South Carolina deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your South Carolina deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in South Carolina are originated by partner lenders licensed to lend in South Carolina. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.