Explore DSCR loans South Carolina investors rely on. Finance or refinance rental and commercial properties with flexible, income-free qualification.
At REIF Loans, we help real estate investors across South Carolina grow their portfolios with DSCR loans built on property performance, not personal income. Whether you’re financing a rental in Charleston, refinancing in Columbia, or expanding into Greenville, our programs simplify lending for investors who value cash flow and flexibility.
Our investor mortgage solutions are transparent, results-driven, and designed for long-term success, with no tax returns or income documentation required.
A Debt Service Coverage Ratio (DSCR) loan allows you to qualify based solely on your property’s rental income rather than personal employment or W-2s. For real estate investors, it’s the preferred choice to build wealth without traditional income barriers.
DSCR Formula:
DSCR = Monthly Gross Rental Income / Monthly PITIA
Example:
If your South Carolina rental earns $4,800 per month and your combined principle, interest, taxes, insurance, and association fees is $3,800, your DSCR is 1.26, meaning your property’s income exceeds its debt by 26 percent.
Most DSCR lenders in South Carolina require a ratio of 1.00 or higher, while a 1.20+ ratio earns the best terms.
Qualifying for a DSCR loan in South Carolina is simpler than qualifying for traditional loans. Instead of focusing on employment, lenders evaluate your rental property’s income and stability.
Our team partners with top DSCR lenders in South Carolina who provide competitive rates and efficient closings.
At REIF Loans, we provide tailored DSCR loan options for every type of investor, from first-time landlords to experienced portfolio owners.
Qualify for new rental property purchases using projected or actual rental income, perfect for investors expanding across Charleston, Columbia, or Greenville.
Refinance your current property to lower your rate, access equity, or improve cash flow through DSCR refinance South Carolina programs.
Use Airbnb or VRBO income to qualify for a DSCR loan. Ideal for short-term rentals in Myrtle Beach, Hilton Head, and Lake Marion.
Finance or refinance 5+ unit multifamily or small commercial buildings with flexible structures and quick approvals through our commercial DSCR South Carolina programs.
DSCR loans give investors freedom and flexibility by focusing on property cash flow.
Our rental property loans South Carolina specialists compare lenders and terms to help you find the most profitable path forward.
South Carolina’s mix of tourism, population growth, and strong rental demand makes it one of the most investor-friendly states in the Southeast.
Each area offers unique potential for cash-flowing investments backed by DSCR financing.
Most South Carolina DSCR lenders require at least 1.00, though 1.20 or higher can earn better rates
Yes, DSCR loans allow ownership under an LLC or personal name.
No personal income documentation is required, qualification is based on rental income.
Yes, Airbnb and VRBO income can be used if documented properly.
Typically 3–6 months of reserves for principal, interest, taxes, and insurance (PITI).
At REIF Loans, we specialize in DSCR loans South Carolina programs that empower investors to grow confidently. Whether you’re buying your first rental or scaling a commercial portfolio, our process is fast, transparent, and tailored to your investment goals.
Start financing your next South Carolina property today with REIF Loans, the investor-first lender that puts service, results, and value at the center of every deal.
