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Guides for Charleston real estate investors
Plain-language articles on financing rentals, short-term rental rules, property tax, flood insurance and renovating older houses in the Charleston area.
DSCR Loans for Charleston Rental Property: How They Work
A DSCR loan approves a Charleston rental on the income it produces. How the ratio is calculated, which rent counts under local rules, what goes into the payment here, and how to apply.
Short-Term Rental Rules for Charleston-Area Investors
The City of Charleston, Mount Pleasant, North Charleston and the beach towns each set their own short-term rental rules. What an investor should confirm before buying, and why a lender cares.
South Carolina’s 4% and 6% Property Tax Ratios: What They Mean for Charleston Rentals
South Carolina taxes an owner’s home at a 4% assessment ratio and rentals at 6%, and owner-occupied homes skip most school operating taxes. Why a rental’s tax bill jumps after you buy it, and how to estimate it.
Flood Insurance and Charleston Investment Property
Much of the Charleston area is in FEMA flood zones. How flood zones, elevation certificates and premiums affect a rental, a flip and a new build, and what to check before you make an offer.
Renovating a Historic House in Charleston: What Investors Should Plan For
Board of Architectural Review approval, the CL-100 wood infestation report, structural surprises and flood rules. How to budget and schedule a Charleston renovation, and how a fix and flip loan works on one.
Cash-Out Refinancing a Charleston Rental After a Renovation
Buy, renovate, rent and refinance: how a DSCR cash-out refinance at up to 80% of value can return the cash you put into a Charleston rental, with a worked example.
Hard Money Loan Document Checklist
What to gather for a rental (DSCR) loan, a new construction loan and a fix and flip loan, divided into one-time documents and documents for each deal.
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