So, you want to have something like default text loaded to the editable region? If yes, then I did this: 
Created a custom web part inheriting from CMSAbstractWebPart class.
This is my ascx code (just snippets for inspiration):
<div>  
        <h1 >
            <cms:CMSEditableRegion ID="TileTitle" runat="server" />  
        </h1>
        <p >
            <cms:CMSEditableRegion ID="TileDesc" runat="server" RegionType="HtmlEditor" />
        </p>
    </div> 
Amd in the code behind, you need to use the right event of the control life cycle to call the LoadContent method. I did it in the OnPreRender:   
 protected override void OnPreRender(EventArgs e)
    {
        base.OnPreRender(e);
        TileDesc.LoadContent("some content", true);
    }