DSCR Lenders in South Carolina
12 verified DSCR lenders serving South Carolina real estate investors. Compare rates, loan programs, and close times — no tax returns required.
Austin, TX
Visio is a pioneer in DSCR lending, exclusively focused on investor rental properties. They offer 30-year fixed DSCR loans, no income verification, and close in 21 days. Rates from 7.25%.
San Francisco, CA
One of the largest DSCR and fix-and-flip lenders in the US. Kiavi offers rental loans with rates starting at 7.00%, LTVs up to 80%, and closings in as little as 15 days. Funded over $20 billion in loans.
Greenville, SC
National private lender specializing in DSCR, fix-and-flip, and new construction. Lima One offers competitive DSCR rates, flexible underwriting, and a dedicated account manager for every deal.
Irvine, CA
CoreVest specializes in portfolio DSCR loans for investors with multiple properties. Blanket loans, single-asset rentals, and multifamily up to 100 units. Funded $20B+ to date.
Tampa, FL
Tech-forward DSCR lender with instant rate quotes and paperless closings.
Austin, TX
Austin-based private lender with a reputation for fast, reliable closings on DSCR and fix-and-flip loans. Strong presence in Texas, Southeast, and Mountain West. Known for responsive service.
Atlanta, GA
Atlanta DSCR lender serving Georgia and the Southeast. Fix and flip, bridge, and rental portfolio loans. Close in 21 days. Local expertise.
Charlotte, NC
Charlotte DSCR lender serving the Carolinas and Virginia. Bridge, fix and flip, and long-term rental financing. 680+ FICO required.
Atlanta, GA
Southeast-focused DSCR lender with in-house underwriting and fast decisions.
Savannah, GA
Savannah DSCR lender for Southeast real estate investors. Multifamily, STR, and cash-out refinance products. No personal income required.
Charlotte, NC
Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.
Clearwater, FL
Single-family and small multifamily DSCR loans. No tax returns, no job required.
DSCR Loans in South Carolina — FAQ
What is a DSCR loan and how does it work in South Carolina?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in South Carolina typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in South Carolina?
Most South Carolina DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in South Carolina?
Typical DSCR loans in South Carolina require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in South Carolina?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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