Francis "Gary" White

Francis "Gary" White
Urban Core Advisors LLC
President and Broker in Charge

Tel: (843) 364-1876

Gary White is a native of Charleston, South Carolina. He attended the College of Charleston where he received his Bachelors of Science in Business Administration. Gary also attended The Citadel Military College where he received his MBA. Gary’s professional experience includes having worked for several Fortune 500 companies in the US and abroad. His international experience includes starting up the European operations for a large US multinational firm.

Gary worked for nearly two decades in financial services and banking industry. Over the years he has amassed a tremendous amount of experience in commercial finance and complex debt structuring. His experience in finance includes originating over $150 million of commercial real estate transactions.

Gary was elected in 2007 to Charleston City Council and he is currently serving his third term as Council member for District 1. In 2011 he served as Mayor Pro Tempore for the City of Charleston. His committee appointments include; Chairman of the Real Estate Committee, Vice Chairman of Human Resources, Vice Chairman of Special Facilities, Community Development and Ways and Means. His commission appointments include, the Tourism Commission and the Arts and History Commission.

Gary is active in several community-based groups including, President of the Board of Trustees for the Charleston Stage Company, the Charleston Metro Chamber of Commerce and is a past board member of the Gibbes Art Museum.

Gary has received numerous awards from many industry and business organizations including the Quality of Life Award from the Charleston Trident Association of Realtors in 2010, Forty under 40 award from the Charleston Business Journal, Silver Leadership Certificate from the National League of Cities and is a graduate of Leadership Charleston.

Our ProcessStep By Step


Our investment team does ongoing market research and site analysis to determine the best locations geared towards our investment strategy.


We perform site inspections and consult with general contractors and architects to identify property improvement opportunities and cost estimates.


We do extensive property analysis including underwriting property historical cash flow, three tiered income modeling, future cash flow projections and IRR and cash on cash return profitability models.


Our team underwrites the current tenants and reviews all current lease agreements to determine an appropriate credit grade of the property and identify opportunities for improvement.