South Carolina DSCR Loan Lenders for Rental Property

Are you seeking long-term private financing for a residential rental property in South Carolina? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in South Carolina’s urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 3 to 30 years. D.S.C.R. stands for debt service coverage ratio, which is a measure of the property's cash flow. The formula is gross rental income divided by expenses (mortgage principal and interest, property taxes, insurance, and HOA dues, if applicable). These loans qualify based on the DSCR rather than the borrower's personal income.
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Dunmor

Do More With Dunmor

$100,000 - $15,000,000
6 to 24 months
6.75% - 12.00%
1.00% - 2.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
Griffin Funding

Private Money Lender - Get the financing you need

$100,000 - $5,000,000
360 to 360 months
1.00% - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Center Street Lending

Smarter Loans for Residential Investors

$150,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Residential Capital Partners

100% Financing for Residential Rehab Projects (NO Money Down)

$75,000 - $1,250,000
1 to 9 months
10.00% - 11.90%
2.00% - 3.00%
Nationwide Mortgage - Rental Property Loans

DSCR 30-year Loans for Rental Properties Nationwide

$100,000 - $5,000,000
12 to 360 months
6.25% - 8.75%
0 - 2.00%
Temple View Capital

DSCR 30-Year Loans for Long-Term and STR/Vacation Rentals | 2nd Mortgage Cash Out for Rentals w/45 Day Rate Lock

$55,000 - $2,000,000
36 to 360 months
6.75% - 8.37%
0.00% - 0.00%
LendingOne

Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide

$70,000 - $50,000,000
9 to 360 months
0.75% - 1.99%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
9.50% - 12.00%
1.00% - 3.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
6.25% - 12.10%
0.25% - 2.50%
Coastal Equity Group

Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.

$125,000 - $3,000,000
12 to 360 months
10.00% - 12.00%
1.50% - 3.50%
Malve Capital LLC

Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.

$50,000 - $5,000,000
6 to 24 months
9.00% - 12.00%
1.00% - 2.00%
Kiavi

Servicing 18,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
6.62% - 12.45%
Certain Lending

The Mortgage Company Built for Real Estate Investors

$100,000 - $4,000,000
6 to 360 months
6.25% - 11.75%
0 - 3.00%
Capital Funding Financial

Direct Lender for Investment Real Estate - 7 Day Closings - Low Rates

$250,000 - $100,000,000
6 to 360 months
6.50% - 12.49%
1.50% - 3.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%

South Carolina DSCR Loan Interest Rates

lightning docs logo

According to the loan documents software company, Lightning Docs, the average interest rate for South Carolina DSCR long-term rental loans in the 2nd quarter of 2025 was 7.51%. The average loan amount was $323,184. These stats are the average of 77 loans funded for residential rental properties in South Carolina between April 1, 2025 and June 30, 2025 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

Top 9 South Carolina DSCR Lenders for Rental Properties

SFR Analytics logo

According to SFR Analtyics, here are the top private lending companies that are faunding DSCR long-term loans secured by residential rental properties in South Carolina, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout South Carolina from January 2024 to December 2024.

  1. American Heritage Lending funded over $49,740,000
  2. LendingOne funded over $21,820,000
  3. RCN Capital funded over $16,670,000
  4. Visio Lending funded over $15,530,000
  5. Lima One Capital funded over $8,690,000
  6. Asset Based Lending funded over $7,980,000
  7. Constructive Capital funded over $7,130,000
  8. FindLoans Capital funded over $6,170,000
  9. Easy Street Capital funded over $6,100,000
  10. funded over $

Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate. Not every loan has maturity data, so some lender’s volume may be higher than shown. 

SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..

South Carolina DSCR Rental Loan Volume

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According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in South Carolina which were funded from January 2024 to December 2024.

  • Approximately $102,471,188 of private money loans were funded in the 4th quarter of 2024 for 150 borrowers.
  • Approximately $44,329,024 of private money loans were funded in the 3rd quarter of 2024 for 126 borrowers.
  • Approximately $44,781,872 of private money loans were funded in the 2nd quarter of 2024 for 140 borrowers.
  • Approximately $27,809,017 of private money loans were funded in the 1st quarter of 2024 for 106 borrowers.

Below are the approximate DSCR loan volume amounts for South Carolina’s metropolitan areas:

Charleston-North Charleston, SC

  • 2024 Q4: $9,650,822 for 21 borrowers
  • 2024 Q3: $9,757,903 for 11 borrowers
  • 2024 Q2: $14,022,868 for 32 borrowers
  • 2024 Q1: $8,455,222 for 22 borrowers

Columbia, SC

  • 2024 Q4: $10,673,220 for 31 borrowers
  • 2024 Q3: $6,493,654 for 29 borrowers
  • 2024 Q2: $4,069,816 for 25 borrowers
  • 2024 Q1: $5,812,035 for 30 borrowers

Greenville-Anderson-Greer, SC

  • 2024 Q4: $10,889,949 for 38 borrowers
  • 2024 Q3: $5,339,750 for 23 borrowers
  • 2024 Q2: $4,434,271 for 18 borrowers
  • 2024 Q1: $2,680,993 for 19 borrowers

 

SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.

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