Hard money loans for investors building real estate portfolios in Myrtle Beach.
Real estate investors in Myrtle Beach and throughout the Grand Strand region have discovered a powerful financing partner in our hard money lending services. The dynamic coastal real estate market presents exceptional opportunities for savvy investors, but timing is everything. Traditional bank financing can take 30-60 days to close, causing investors to miss out on time-sensitive deals and motivated seller opportunities. Our hard money loans are specifically designed to eliminate these delays, providing real estate investors with the speed and flexibility needed to capitalize on profitable investments. Whether you're building a rental portfolio, pursuing fix-and-flip opportunities, or acquiring multifamily properties, our streamlined approval process delivers funding in days rather than weeks. We understand that successful real estate investing requires quick action, and our investor-focused lending programs ensure you never miss a deal due to financing delays. With deep knowledge of the Myrtle Beach market, competitive terms, and a commitment to helping investors succeed, we've become the preferred hard money lender for real estate professionals throughout South Carolina.
Our hard money loans for real estate investors serve a wide range of investment strategies and property types throughout the Myrtle Beach metropolitan area. For rental property investors, we provide acquisition financing for single-family homes, duplexes, triplexes, and larger multifamily buildings. Our loans enable investors to quickly secure cash-flowing properties in desirable neighborhoods like Carolina Forest, Socastee, and Surfside Beach before competitors can make offers. Fix-and-flip investors benefit from our combined acquisition and renovation financing, which covers both the purchase price and rehab costs in a single loan. This streamlined approach eliminates the complexity of managing multiple funding sources and allows flippers to focus on executing their renovation plans efficiently.
Value-add investors utilize our financing to acquire underperforming properties with strong upside potential. Whether it's a dated apartment complex needing cosmetic upgrades or a poorly managed rental requiring operational improvements, our loans provide the capital needed to implement value-enhancing changes. Commercial real estate investors also rely on our hard money financing for retail properties, office buildings, and mixed-use developments throughout Horry County. We fund distressed property acquisitions, including foreclosures, short sales, and bank-owned properties that require fast closings. Additionally, our loans support new construction projects for spec homes and custom builds in growing developments. Each loan is structured to match the specific investment strategy, with flexible terms that accommodate hold periods ranging from three months for quick flips to two years for long-term rental acquisitions.
Real estate investors in Myrtle Beach face unique challenges that traditional lenders often fail to address. The competitive nature of the coastal real estate market means properties receive multiple offers within days of listing, and sellers favor buyers who can close quickly with cash or hard money financing. Investors relying on conventional mortgages frequently lose deals to competitors with faster funding sources. Additionally, many profitable investment properties don't qualify for traditional financing due to their condition. Banks typically won't lend on properties needing significant repairs, leaving investors unable to finance fixer-uppers with the most profit potential. Seasonal income fluctuations and multiple property ownership can also complicate debt-to-income calculations with traditional lenders.
Our approach to real estate investor financing centers on asset-based lending decisions rather than traditional income verification. We evaluate each property's investment potential, after-repair value, and cash flow projections to determine loan eligibility. This methodology allows us to approve loans that banks would reject while maintaining responsible lending standards. Our underwriting team includes experienced real estate professionals who understand local market dynamics, property valuations, and investment strategies. We provide pre-approval letters that strengthen your offers and demonstrate serious buying power to sellers and their agents.
We proudly serve real estate investors throughout the Grand Strand region, including Myrtle Beach, North Myrtle Beach, Surfside Beach, Murrells Inlet, Conway, Little River, and all surrounding communities in Horry County and Georgetown County.
Real estate investors can typically receive initial approval within 24-48 hours of submitting a complete loan application. Once approved, we can close loans in as little as 5-7 business days, allowing investors to move quickly on time-sensitive deals and compete effectively against cash buyers in the Myrtle Beach market.
We finance single-family homes, duplexes, triplexes, fourplexes, multifamily apartment buildings, commercial retail properties, office buildings, mixed-use developments, and new construction projects. Both residential and commercial investment properties throughout South Carolina are eligible for our hard money loan programs.
Yes, we specialize in financing properties that require renovation work. Our fix-and-flip and rehab loans include funding for both the acquisition and renovation costs. We base our loans on the after-repair value (ARV) of the property, allowing investors to finance properties in any condition.
We typically offer loan-to-value ratios up to 70-75% of the property's after-repair value for fix-and-flip projects and up to 80% of purchase price for rental property acquisitions. Specific LTV ratios depend on the property type, location, borrower's experience, and overall deal strength.
Yes, we work with both experienced and first-time real estate investors. While experienced investors may qualify for more favorable terms, new investors can secure financing by presenting a solid business plan, working with experienced contractors, and demonstrating a clear understanding of their investment strategy and exit plan.
Get started today and receive multiple competitive loan offers from verified hard money lenders who understand your unique needs.