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.Searching...
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RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Dunmor
Do More With Dunmor
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Griffin Funding
Private Money Lender - Get the financing you need
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Center Street Lending
Smarter Loans for Residential Investors
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Nationwide Mortgage - Rental Property Loans
DSCR 30-year Loans for Rental Properties Nationwide
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
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
i Fund Cities
Great F#*%ing Loans, Built By Investors For Investors
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Certain Lending
The Mortgage Company Built for Real Estate Investors
Capital Funding Financial
Direct Lender for Investment Real Estate - 7 Day Closings - Low Rates
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
South Carolina DSCR Loan Interest Rates
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
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.
- American Heritage Lending funded over $49,740,000
- LendingOne funded over $21,820,000
- RCN Capital funded over $16,670,000
- Visio Lending funded over $15,530,000
- Lima One Capital funded over $8,690,000
- Asset Based Lending funded over $7,980,000
- Constructive Capital funded over $7,130,000
- FindLoans Capital funded over $6,170,000
- Easy Street Capital funded over $6,100,000
- 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
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.
