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Fix & Flip · South Carolina

Fix & flip loans in South Carolina — fund the deal, keep your cash.

Mortava fix & flip loans in South Carolina: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

South Carolina is coastal short-term-rental demand in Charleston and Myrtle Beach plus inland cash flow. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Charleston, Columbia, Greenville and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your South Carolina project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance South Carolina projects with Mortava

In a market like South Carolina, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Charleston, Columbia, Greenville, Myrtle Beach deals and recycle capital into the next project faster.

Charleston and Myrtle Beach anchor coastal short-term-rental demand while Greenville adds an inland growth market. South Carolina lets investors mix STR income with conventional holds in one state.

Top metros we fund
Charleston, Columbia, Greenville, Myrtle Beach
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

Flip-to-STR in South Carolina

Not every South Carolina flip has to sell. In short-term-rental markets like Charleston, some investors renovate and then refinance into an STR / Airbnb DSCR loan on projected rental income — keeping the asset instead of paying to exit.

Guidelines reviewed July 2026 by the Mortava lending team.

South Carolina fix & flip loan FAQ

Can I get a fix and flip loan in South Carolina?
Yes. Mortava funds fix & flip projects across South Carolina, including Charleston, Columbia, Greenville, Myrtle Beach. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a South Carolina flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in South Carolina.
Do you fund first-time flippers in South Carolina?
Yes — first-time flippers are welcome in South Carolina with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Can I flip into a short-term rental in South Carolina?
Yes — a common South Carolina exit is to renovate, then refinance into an STR DSCR loan on projected rental income instead of selling. Mortava finances both legs, which matters in short-term-rental markets like Charleston.
Do you fund flips in Charleston and Columbia?
Yes — Charleston, Columbia, Greenville, Myrtle Beach and every other South Carolina market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in North DakotaFlip in OhioFlip in OklahomaFlip in OregonFlip in PennsylvaniaFlip in Rhode IslandFlip in South DakotaFlip in TennesseeFlip in TexasFlip in UtahFlip in VermontFlip in Virginia
All Fix & Flip programs → DSCR loans in South Carolina → Instant quote & pre-qualify →
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