North Charleston, SC’s Trusted Hard Money Lender for Real Estate Investors

Unitas Funding provides private loans for real estate investors in North Charleston. We close deals in 10 business days with rates starting at 8.99% and loan-to-cost ratios up to 92.5%. Our direct lending model means your approval comes from us with no secondary committees and no funding delays. We finance fix-and-flip projects, new construction, bridge loans, and DSCR rental properties across North Charleston and the greater Charleston metro area.

We're backed by institutional capital with $4.5 billion in funded short-term real estate loans. Our North Charleston hard money lenders combine construction expertise with lending experience to structure deals traditional banks reject. Whether you're renovating historic properties in Park Circle, building spec homes in Mixson, or acquiring rental properties near the Boeing campus, we provide the capital and guidance to close your deals.

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Fast, Reliable Capital for Your Next Real Estate Deal

Real estate markets move quickly. Auction properties, off-market deals, and competitive offers require capital you can deploy in days. We pre-approve qualified borrowers in 24 hours and close complete files in 10 business days. Our asset-based underwriting focuses on your property's value and exit strategy instead of your W-2s or tax returns. When you find the right deal, we're ready to fund it.

Fix & Flip Loans

Fix & Flip Loans

Our fix-and-flip loans cover purchase price and renovation costs based on your property's after-repair value. We finance up to 92.5% loan-to-cost with terms from 12 to 24 months. Draw requests process in 24-48 hours after inspection completion. We understand North Charleston's renovation market from updating mid-century homes in Liberty Hill to converting commercial properties downtown. Interest-only payment options preserve your cash flow during construction.

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New Construction Loans

New Construction Loans

We fund ground-up construction for single-family spec homes and small multifamily developments. Our construction loans include staged draws tied to project milestones with fast inspection turnaround. We finance projects from lot acquisition through completion with flexible terms matching your build timeline. Whether you're developing infill lots in Old North Charleston or building new construction in Noisette Creek, we structure loans around your specific project requirements.

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Bridge Loans

Bridge Loans

Bridge loans provide 6-12 month financing when you need capital immediately. Use bridge financing to secure properties while arranging permanent financing, fund quick renovations before refinancing, or bridge timing gaps between property sales. We close bridge loans in 10 days with minimal documentation requirements. Our bridge loan rates start at 8.99% with flexible terms designed for time-sensitive transactions.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans qualify based on property cash flow instead of personal income. We underwrite rental properties using the debt service coverage ratio, which compares your property's rental income against its debt obligations. No tax returns, no W-2s, no income verification. DSCR loans work for short-term rentals, mid-term rentals, and traditional long-term holds. We finance single-family rentals, small multifamily properties, and mixed-use buildings across North Charleston's growing rental market.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional capital backing with entrepreneurial flexibility. Our $4.5 billion in funded loans provides the financial strength of a bank. Our direct lending model provides the speed and customization banks can't match. You get reliable funding without bureaucratic delays. We close in 10 days while traditional lenders take 30-45 days minimum.

  2. More Ways to Say ‘Yes’ to Your Deal
    We structure private loans for North Charleston real estate investors around the project instead of rigid lending boxes. Our underwriting team has deep construction knowledge and real estate experience. We evaluate deals based on property fundamentals and exit strategy. If the numbers work, we find a way to fund it. We've closed deals other lenders rejected because we understand creative deal structures and non-traditional investment strategies.

  3. Certainty from a Direct Lender
    We own our capital. When we approve your hard money loan in North Charleston, it's approved with no selling to secondary markets, no funding committees, and no last-minute changes. Our direct lending model protected our borrowers during the 2022 market volatility when conduit lenders froze funding. Your approval means certainty. We close when we say we'll close.

  4. Faster Funding, Faster Draws
    We process draw requests in 24-48 hours after inspection completion. Most projects require approximately 10 draws from start to finish. Our streamlined draw process keeps your construction timeline on track without waiting weeks for capital releases. We understand contractors need payment to maintain momentum. Our fast draw approval separates us from lenders who delay projects with slow processing.

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Get Pre-Approved in 24 Hours!
Submit your investment property details for pre-approval. Our team reviews applications within 24 hours and provides clear terms. We'll explain your loan options, answer your questions, and outline the path to closing. Whether you're a first-time flipper or managing multiple concurrent projects, we provide the partnership and capital to grow your portfolio.

Frequently Asked Questions

What types of investment properties do you finance?

We finance residential investment properties including single-family homes, 2-4 unit multifamily properties, townhomes, and condos. We fund fix-and-flip renovations, ground-up new construction, bridge financing, and DSCR rental properties. All loans are business-purpose only through LLCs or corporate entities. We do not finance owner-occupied properties or consumer loans. Our focus is real estate investors building wealth through property investment.

How quickly can you close on a North Charleston investment property?

We close complete loan files in 10 business days. Pre-approvals process within 24 hours. Final approval typically takes 3-5 business days depending on title clearance and property valuation completion. Our fast closing capability gives you competitive advantage in multiple-offer situations and time-sensitive deals. Traditional banks require 30-45 days minimum. Our speed lets you secure deals other investors can't access.

What are your loan-to-cost ratios for North Charleston fix-and-flip projects?

We finance up to 92.5% loan-to-cost on qualified fix-and-flip projects. Actual LTC depends on property location, borrower experience, project scope, and exit strategy. Rates start at 8.99% with terms from 12 to 24 months. We evaluate each deal individually based on after-repair value, renovation budget, and market conditions. Our flexible underwriting means we structure loans around your specific project rather than applying standardized formulas.

Do you require personal income verification for DSCR loans?

No. DSCR loans qualify based on property cash flow instead of personal income. We underwrite using the debt service coverage ratio, which measures your rental income against debt obligations. No tax returns, no W-2s, no employment verification. We focus on the property's ability to generate income and cover its debt service. This asset-based approach simplifies qualification for self-employed investors and portfolio builders who don't want to document personal income.

What areas of North Charleston do you serve?

We serve all of North Charleston and the greater Charleston metro area including Mount Pleasant, Summerville, Goose Creek, Hanahan, and surrounding communities. We finance properties throughout Berkeley, Charleston, and Dorchester counties. Our statewide South Carolina lending license allows us to fund investment properties across the state. We evaluate each property based on its specific market fundamentals and investment potential.

Ready to Fund Your Next North Charleston Real Estate Investment?

Contact Unitas Funding to discuss your investment property financing. Our North Charleston hard money loans provide the speed, flexibility, and certainty to close deals traditional lenders can't fund. We're partners in your growth and not just transaction processors. Call us today or submit your loan application online. Let's structure the financing for your next successful real estate investment.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.