Low Tide Lending

Low Tide Lending 🏠Creative financing solutions for REI
📍Serving the Carolinas and greater Savannah, GA area
✅Veteran-owned

Low Tide Private Lending is a direct lender that was established in 2018 to provide time sensitive, creative, short term financing to builders, developers, and real estate investors. Our mission is to be a local, reliable, hard-working, and responsive lender. We strive to be a presence in the local market-place and more than just an online application. With a combined 20+ years experience with har

d money lending, we have abundance of knowledge and resources to help our borrowers and investors succeed. We are based out of Charleston, South Carolina and have the ability to support lending opportunities throughout the entire state of South Carolina. Our goal is to be more than just a lender we want to be a trusted partner. We work hard to establish long lasting relationships by earning the trust of our clients. We will respond quickly when needed and will always be transparent, honest, and ethical in all stages of the lending process.

A few ways investors find better deals and negotiate stronger margins:•Look for stale listings with high days on market•...
05/26/2026

A few ways investors find better deals and negotiate stronger margins:

•Look for stale listings with high days on market
•Ask agents about properties that fell out of contract
•Build relationships ships with wholesalers and contractors
•Don’t negotiate based on emotion, negotiate based on numbers
•Know your max purchase price before making the offer

Sellers may not always take the highest offer, but they often take the buyer who seems the most prepared and easiest to close with.

The best investors stay disciplined enough to walk away when the margins no longer make sense.

Want to figure out your sweet spot on max offer? Need a lender that actually IS easy to close with? We’ve got you!

This Memorial Day, we honor and remember the brave men and women who made the ultimate sacrifice in service to our count...
05/22/2026

This Memorial Day, we honor and remember the brave men and women who made the ultimate sacrifice in service to our country. 🇺🇸

In observance of the holiday, Low Tide Private Lending will be closed on Monday, May 26. We will resume normal business hours on Tuesday.

Wishing everyone a safe and meaningful Memorial Day weekend.

05/20/2026

They focus on short-term lending: I wanted to take a second to feature Emily Hardy with LowTide Lending. lowtidelending.comThey mention closing in days, not weeks on their website and I have personally worked with Emily and she is easy to deal with and a great communicator. Some info from Emily and....

One of the easiest ways to strengthen your position as a real estate investor is keeping organized financial records.Whe...
05/19/2026

One of the easiest ways to strengthen your position as a real estate investor is keeping organized financial records.

When lenders can clearly see your experience, liquidity, and project history, the process becomes faster and smoother for everyone involved.

Helpful items to keep organized:

•Settlement statements from past purchases and sales
•Before & after project photos
•Operating agreements/entity docs
•Bank statements
•Insurance information
•Scope of work & contractor bids

A strong track record isn’t just about how many deals you’ve done, it’s about being able to clearly document them.

Check out our latest blog post (link in bio) to learn why your track record can matter more than the deal itself.

At , organized borrowers almost always move through underwriting more efficiently and position themselves for more opportunities long term.

From drab to fab!Check out our latest blog post (lowtidelending.com) for a deep dive into this flip. Spoiler alert…’twas...
05/01/2026

From drab to fab!

Check out our latest blog post (lowtidelending.com) for a deep dive into this flip. Spoiler alert…’twas a WINNER! 🥇

04/28/2026

The best part of this business isn’t the deals, it’s the people behind them. 🤝

Grateful for a network of people who show up, collaborate, and get things done!

💡 Tip Tuesday: Don’t let your exit strategy be an afterthought!One of the biggest mistakes real estate investors make?Th...
04/21/2026

💡 Tip Tuesday: Don’t let your exit strategy be an afterthought!

One of the biggest mistakes real estate investors make?
They focus heavily on the deal…and barely think through the exit.

Before you close, you should already know:
•Are you flipping or renting?
•If flipping, what’s your realistic DOM (days on market)?
•If renting, will it truly cash flow after refi?
•What’s your backup plan is the market shifts?

A solid deal isn’t just about buying right, it’s about exiting smart.

We’ve seen great projects turn stressful simply because the exit wasn’t clearly defined from day one.

👉Pro tip: Always run your numbers with multiple exit scenarios before closing. If the deal only works one way, it’s riskier than you think.

In today’s market, deals are sitting longer, and that can quickly eat into your profits.Many investors focus heavily on ...
04/14/2026

In today’s market, deals are sitting longer, and that can quickly eat into your profits.

Many investors focus heavily on purchase price and rehab budget…but holding costs can make or break a deal.

👉Here’s what to factor in:

•Interest payments
•Property taxes
•Insurance
•Utilities
•HOA fees (if applicable)
•Unexpected delays (permits, contractors, longer DOM)

📈 A deal that looks great on paper can shrink fast if it takes 2-3 months longer to sell.

Pro Tip:
When analyzing your next deal, build in a buffer, both in your timeline and your budget. If the deal still works with a longer hold, you’re in a much safer position.

At , we always encourage investors to underwrite conservatively, because the best deals are the ones that still work when things don’t go perfectly.

04/07/2026

💡The fastest way to lose money on a deal…

It’s not the contractor.
It’s not the market.

👉It’s bad underwriting.

Overestimating ARV.
Underestimating rehab.
Forgetting holding costs.
Stretching your timeline.

That’s how “good deals” quietly turn into bad ones.

The best investors aren’t just great at finding deals, they’re disciplined in how they analyze them.

If your numbers don’t work on paper, they definitely won’t work in real life.

🎤 Next week, we’re breaking down exactly how we underwrite deals at the Tri-County Investors Associaton Meetup—what we look for, common mistakes, and how to protect your downside.

Tuesday, April 14th at
⏰ 5:30-7:30 p.m.

Come learn how to spot a deal before it costs you!

Address

835 Savannah Highway #207
Charleston, SC
29407

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+18438331595

Website

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