How do buyers finance a two-family home in Charleston in 2026?

Buyers finance a two-family home in Charleston in 2026 mostly through conventional loans that treat the property as owner-occupied if the buyer lives in one unit, which allows a smaller down payment than a true investment property loan would require. Lenders will still want the property confirmed as legally permitted for two units before approving the loan. Brian Beatty can connect a Charleston buyer with lenders experienced in two-family financing.