Hard Money Lender in Summerville, SC

Summerville, South Carolina has emerged as one of the Charleston metro's fastest-growing real estate markets, fueled by Volvo Cars' manufacturing presence, Boeing's expansion, and a steady influx of residents priced out of downtown Charleston. From Historic District renovations to new construction in Carnes Crossroads, Summerville investors are positioned at the center of one of the Southeast's most active growth corridors.

Unitas Funding provides hard money loans in Summerville for fix-and-flip projects, new construction, bridge financing, and DSCR rental acquisitions. We close in 10 business days with rates starting at 8.99% and LTC up to 92.5%—giving Summerville investors the capital and speed to move decisively in a market growing faster than supply.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Summerville Deal

Summerville deals are going fast as Charleston metro demand spills into Dorchester County. Stop losing properties to cash buyers. Unitas delivers real pre-approvals in 24 hours so you can move confidently on Historic District rehabs, Carnes Crossroads new builds, and DSCR rentals near Volvo's plant.

Fix & Flip Loans

Fix & Flip Loans

Summerville fix-and-flip investors target Historic District properties and aging suburban homes throughout Dorchester County where renovation returns are strong in a rising market. Unitas funds up to 92.5% LTC with 24- to 48-hour draw schedules.

Learn More
New Construction Loans

New Construction Loans

New construction in Summerville is meeting the demand from Charleston overflow buyers who want suburban square footage at accessible price points. Unitas provides phased draw construction loans with 12- to 24-month terms and quick approval for builders entering this growth market.

Learn More
Bridge Loans

Bridge Loans

Summerville bridge loans from Unitas help investors close on a new property before a current sale completes, or secure short-term capital while arranging a long-term refinance in Dorchester County's fast-moving market.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Summerville DSCR investment properties benefit from strong tenant demand driven by Volvo, Boeing, and MUSC workers relocating to the Charleston metro. Unitas underwrites on property rental income alone—no personal income documentation required.

Learn More


What Makes Unitas Different in Summerville

  1. Local Market Understanding
    We understand Summerville's growth trajectory—its manufacturing-driven employment base, Historic District character, and the pace at which Charleston metro demand fills Dorchester County inventory. Our underwriters evaluate deals on genuine local market data.

  2. Speed and Capital
    In a market as active as Summerville, conventional lender timelines cost deals. Unitas delivers 24-hour pre-approvals and closes in 10 business days—so you stay ahead of competing buyers in one of South Carolina's fastest-growing cities.

  3. Flexible Loan Structure
    Whether you're flipping a Historic District cottage or building in Carnes Crossroads, Unitas structures each Summerville loan around your exit with 12-, 18-, and 24-month interest-only options.

  4. Proven Track Record
    With more than $4.5 billion deployed across Southeast markets and the nation, Unitas brings the capital capacity and lending experience to fund dozens of Summerville deals with confidence.


shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Stop losing Summerville deals to buyers with faster financing. Our pre-approvals are real commitments backed by $4.5 billion in deployed capital—not soft estimates that fall apart at closing. Get your Summerville investment pre-approved today.

Frequently Asked Questions

What types of investment properties do you finance in Summerville, SC?

Unitas Funding finances residential investment properties in Summerville including single-family homes, multifamily properties, townhomes, and mixed-use buildings. We offer fix-and-flip, new construction, bridge, and DSCR loan programs exclusively to business entities for investment purposes.

How quickly can you close on a Summerville investment property?

Unitas closes Summerville deals in 10 business days. Pre-approvals are issued within 24 hours and final approvals within 3 to 5 business days—dramatically faster than conventional lenders who take 30 to 45 days.

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

We lend up to 92.5% LTC on qualified Summerville fix-and-flip deals. Rates start at 8.99%, and our underwriting evaluates each project on the purchase price, renovation scope, and after-repair value in the Summerville market.

Do you require personal income verification for DSCR loans in Summerville?

No. Unitas DSCR loans are underwritten on the rental income of the investment property, not the borrower's personal income. You'll need to provide business entity documentation and demonstrate sufficient liquidity for the down payment.

What areas of Summerville do you serve?

Unitas serves investors throughout Summerville and surrounding Dorchester County communities including the Historic District, Carnes Crossroads, Pine Forest Country Club, Legend Oaks, Goose Creek, Hanahan, and the greater Charleston metro area.

 

Ready to Fund Your Next Summerville Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Summerville real estate investors need to close deals in one of South Carolina's fastest-growing markets. From Historic District fix-and-flips to new construction in Carnes Crossroads, we fund projects across Dorchester County and the greater Charleston metro. Contact us today to discuss your Summerville investment property financing.

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