
This guide helps solo contractors, small real-estate investors, and everyday residents in Richland County, South Carolina understand their personal financing options. It covers who qualifies, what documents to gather, and which local lenders — including CDFIs, credit unions, and ITIN-friendly institutions — actually serve this area. It also points out common traps to avoid so you can borrow with confidence and on your own timeline.
Ask Iris. She'll explain it the way it should have been explained the first time.