Low Tide Lending

Low Tide Lending 🏠Creative financing solutions for REI
đź“ŤServing the Carolinas and greater Savannah, GA area
âś…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.

Swipe ➡️ to see this transformation! Thoughtful, practical updates were made to this Aiken cutie!
06/19/2026

Swipe ➡️ to see this transformation! Thoughtful, practical updates were made to this Aiken cutie!

06/16/2026

The best time to talk to a lender is BEFORE you find the deal.

Having your financing lined up ahead of time helps you move faster, make stronger offers, and avoid surprises once you’re under contract.

Speed and preparation matter in this market. 🔑

Today’s market is still leaning in favor of buyers across many of the areas we lend in throughout SC, NC, and GA.That cr...
06/09/2026

Today’s market is still leaning in favor of buyers across many of the areas we lend in throughout SC, NC, and GA.

That creates opportunity for investors on the acquisition side:

✔️More inventory
✔️Less competition
✔️More negotiating power
✔️Better purchase prices

But it also means investors have to be realistic on the exit side.

Homes are taking longer to sell in many markets, and buyers are more price-sensitive than they were a few years ago. The deals that still perform well are the ones bought at the right basis with conservative rehab budgets and realistic ARVs.

In today’s market, discipline matters more than speed. The investors winning right now are the ones underwriting carefully and leaving room for the unexpected.

The transformation of a John’s Island cottage! Swipe through ➡️, and take a gander!Love that they left the shelving…char...
06/05/2026

The transformation of a John’s Island cottage! Swipe through ➡️, and take a gander!

Love that they left the shelving…character, character, character!

What’s your favorite update?

💡Tip Tuesday: The Highest Offer Doesn’t Always WinOne question we hear often from investors: “Does the seller always cho...
06/02/2026

💡Tip Tuesday: The Highest Offer Doesn’t Always Win

One question we hear often from investors: “Does the seller always choose the highest bid?”

Not necessarily.

In many cases, sellers prioritize certainty and speed over squeezing out every last dollar. We’ve seen lower offers win because the buyer could close faster and with fewer financing concerns.

That’s one of the biggest advantages of working with a private lender. In competitive situations, the ability to move quickly can make your offer far more attractive.

Price matters, but strong terms and a fast closing can be what gets the deal done.

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! 🥇

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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