Private DSCR Lender in South Carolina
DSCR Loans in South Carolina
Total Quality Lending finances real estate investors across South Carolina with DSCR loans that qualify on the property’s rental cash flow — not your personal income. Up to 80% LTV, credit scores from 640, and loan amounts to $3.5M.
- Max LTV
- 80%
- Min credit score
- 640
- Loan amounts
- $100K–$3.5M
- Income docs
- None
Why investors choose DSCR loans in South Carolina
A DSCR loan lets you scale a rental portfolio in South Carolina without the income hurdles of conventional financing. Approval is based on whether the property pays for itself.
- Qualify on the property’s rental cash flow — no personal income, W-2s, or tax returns
- Up to 80% LTV on purchase at the top tier (740 FICO); higher scores unlock higher LTV
- Credit scores from 640 — cash-out available at 660+
- Loan amounts from $100,000 to $3,500,000
- Short-term rentals (Airbnb, VRBO, FlipKey) eligible up to 80% LTV on purchase
- First-time investors eligible (restrictions apply)
South Carolina DSCR program at a glance
- Maximum LTV
- 80% (purchase)
- Minimum credit score
- 640
- Loan amounts
- $100K – $3.5M
- Occupancy
- Investment only
- Loan purposes
- Purchase, Rate/term refinance, Cash-out refinance
Available terms
- 15-, 30-, and 40-year fixed
- 5/6, 7/6 & 10/6 ARMs (30-year term)
- Interest-only options (680+ credit score)
Eligible property types
- Single-family (attached & detached)
- 2–4 unit properties
- Condominiums & condo-hotels
- Rural properties (up to 5 acres)
South Carolina DSCR max LTV by credit score
Your maximum loan-to-value is set by your credit score, loan size, and the property’s debt-service coverage ratio (DSCR). These are the purchase tiers for a DSCR of 1.00 or higher.
| Credit score | Max purchase LTV | Notes |
|---|---|---|
| 740+ | 80% | to $2.5M · cash-out to 80% |
| 720 | 80% | to $1.5M · cash-out to 80% |
| 700 | 80% | to $1.5M · 70% to $3.5M |
| 660 | 75% | cash-out to 70% |
| 640 | 75% | to $1M · no cash-out |
Rate/term and cash-out LTVs are lower than purchase. Loans under $150,000 cap at 70% purchase / 65% refinance. Short-term rentals are eligible up to 80% LTV on purchase. Final terms are subject to full underwriting.
Short-term rental (Airbnb & VRBO) loans in South Carolina
Running a short-term rental in South Carolina? DSCR financing works for Airbnb, VRBO, and FlipKey properties too. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase — so your nightly cash flow can power your next acquisition.
South Carolina DSCR loan FAQs
Can I get a DSCR loan in South Carolina?
Yes. Total Quality Lending provides DSCR loans throughout South Carolina for real estate investors. DSCR (Debt-Service Coverage Ratio) loans qualify on the property's rental cash flow rather than your personal income — no W-2s or tax returns required.
What credit score do I need for a DSCR loan in South Carolina?
DSCR loans in South Carolina are available with credit scores starting at 640. Higher scores unlock higher LTVs and larger loan amounts, and cash-out refinances require a minimum 660 score.
What is the maximum LTV for a DSCR loan in South Carolina?
In South Carolina, DSCR loans go up to 80% LTV. The 80% tier is reserved for strong files (700+ FICO on loans up to $1.5M, or 740 FICO up to $2.5M) with a DSCR of 1.00 or higher; lower scores, larger loans, or a DSCR below 1.00 reduce the maximum LTV. Cash-out refinances require a 660+ score.
Can I use short-term rental (Airbnb) income to qualify in South Carolina?
Yes. Short-term rentals (Airbnb, VRBO, FlipKey) are eligible in South Carolina. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase.
How much can I borrow with a DSCR loan in South Carolina?
DSCR loan amounts in South Carolina range from $100K to $3.5M, available for single-family, 2–4 unit, condominium, and eligible rural investment properties.
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