Low Tide Lending

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Low Tide Lending 🏠Creative financing solutions for REI
📍Serving the Carolinas and select GA markets
✅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 hard 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.

When evaluating your next flip, don’t just look at recently sold homes. Pay attention to new construction in your target...
10/20/2026

When evaluating your next flip, don’t just look at recently sold homes. Pay attention to new construction in your target market, too.

Builders may be offering closing cost assistance, rate buydowns, or other incentives that make a brand new home more attractive to buyers, even when asking prices are similar.

Before you buy, ask yourself: What will make a buyer choose your renovated property over the alternatives?

Understanding your competition before you purchase can help you make smarter investment decisions.

10/16/2026

This one is gonna be SO fun!! 🤩

Historic home renos take A LOT of work, truly a labor of love. Luckily these folks have a preservation consultant in the family helping them make decisions. This is not gonna be one of those “tear out the character and paint it gray” rehabs, but you’ll have to stay tuned to see what they do!

A strong ARV can make a deal look great on paper, but it’s only as good as the comps supporting it.Before you get comfor...
10/06/2026

A strong ARV can make a deal look great on paper, but it’s only as good as the comps supporting it.

Before you get comfortable with the projected profit, ask:

•Are the comps truly comparable?
•Are they recent (last 3-6 months)?
•Is the finished product actually going to match them?
•What happens if the property sells for 5-10% less than expected?
•Is there still enough equity to protect you?

At Low Tide Lending , we’d rather underwrite a deal that works conservatively than one that only works if everything goes perfectly.

Because the best deal isn’t the one with the biggest projected profit, it’s the one with enough room for something to go wrong.

Badda bing badda boom 💥 Know your market.Crush it.👊 Clint Kelly
10/02/2026

Badda bing badda boom 💥

Know your market.
Crush it.

👊 Clint Kelly

You’ll hear lenders say they’ll finance 100% of the rehab, but that doesn’t necessarily mean the lender is bringing the ...
09/29/2026

You’ll hear lenders say they’ll finance 100% of the rehab, but that doesn’t necessarily mean the lender is bringing the entire project cost to the closing table.

Typically, the purchase and approved rehab budget are structured separately. Rehab funds are held back and released through draws as the work is completed.

So if your renovation budget is $100K, you may have access to the full $100K in rehab financing, but you’re not necessarily receiving that $100K upfront on day one.

Why does that matter?

Because you need to understand:
🏠 How much cash you need to close
🔨 How you’ll fund the early stages of the project
💰 How quickly draws can be requested and funded
📋 What documentation is required for each draw

“100% rehab financing” is about the total approved rehab budget, not a blank check at closing.

Know exactly how your lender funds the project before you start swinging hammers.

A little behind-the-scenes from our day today.We spent the day visiting a few properties we’re currently financing…check...
09/22/2026

A little behind-the-scenes from our day today.

We spent the day visiting a few properties we’re currently financing…checking out progress, seeing the work first hand, and staying connected with our borrowers.

Because for us, lending isn’t just about funding a deal and moving on to the next one.

We like to know what’s happening on the ground.

Our tip for investors: when choosing a lender, look beyond the rate and terms. Consider how involved your lender will be once the loan closes.

The right lending relationship can make a big difference when you’re navigating a renovation.

Don’t overlook the potential of a property you already own.Last week, we visited a project in Port Royal where a borrowe...
09/15/2026

Don’t overlook the potential of a property you already own.

Last week, we visited a project in Port Royal where a borrower did exactly that.

He already owned a property with an existing home that he rents out. Instead of stopping there, he recognized an opportunity to build an ADU in the backyard, creating a second rental on the same parcel.

That’s a smart way to maximize an asset you already own.

We’re currently funding the ADU construction, and once the project is complete, the borrower plans to refi into longer-term financing and continue renting both units.

The projected rental income? Approximately $4,000/month.

The takeaway: when you’re evaluating an investment property, don’t just look at what’s there today. Look at what the property could become.

An unused portion of a lot, an underutilized structure, or an opportunity to add an additional dwelling could potentially create another income stream and increase the overall value of the property.

Creative projects like this are a great reminder that real estate investing isn’t always about buying more properties, sometimes it’s about unlocking more potential in the properties you already own.

Thinking about an ADU or another creative value-add project? Let’s talk!

25 years since an ordinary September morning changed our country forever.We remember the nearly 3,000 innocent lives los...
09/11/2026

25 years since an ordinary September morning changed our country forever.

We remember the nearly 3,000 innocent lives lost. We remember the families who never got to say goodbye. We remember the first responders, the heroes, and the ordinary people who showed extraordinary courage.

And we remember a country that, in the days that followed, felt a little more united, a little more grateful, and a lot more aware of what truly matters.

September 11, 2001–always remembered, never forgotten. 🇺🇸

Kinda chic…Working with a lender who knows the local market.Gets the deal.Knows the numbers.Picks up the phone.And actua...
09/08/2026

Kinda chic…

Working with a lender who knows the local market.
Gets the deal.
Knows the numbers.
Picks up the phone.
And actually wants to find a way to make it work.

Because real estate investing is a lot easier when your lender understands what you’re trying to accomplish, and not just what’s on the spreadsheet.

That’s the Low Tide Lending difference!

🇺🇸 Happy Labor Day Weekend! 🇺🇸 Wishing everyone a safe and relaxing Labor Day weekend! We hope you enjoy some well-deser...
09/04/2026

🇺🇸 Happy Labor Day Weekend! 🇺🇸

Wishing everyone a safe and relaxing Labor Day weekend! We hope you enjoy some well-deserved time with family and friends.

Our office will be closed Monday, September 7th, and will reopen on Tuesday, September 8th.

Have a great weekend! ☀️

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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