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DSCR Rental Loans · South Carolina

DSCR rental loans in South Carolina — qualify on the rent.

Mortava DSCR loans in South Carolina: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

South Carolina is coastal short-term-rental demand in Charleston and Myrtle Beach plus inland cash flow. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Charleston, Columbia, Greenville and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live South Carolina term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance South Carolina rentals with Mortava

DSCR loans let South Carolina investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Charleston, Columbia, Greenville, Myrtle Beach.

Charleston and Myrtle Beach anchor coastal short-term-rental demand while Greenville adds an inland growth market. South Carolina lets investors mix STR income with conventional holds in one state.

Top metros we lend in
Charleston, Columbia, Greenville, Myrtle Beach
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

Short-term rentals & Airbnb in South Carolina

Charleston-area short-term rentals can qualify for DSCR financing on projected rental income — no years of Airbnb history required. If the STR play is your angle in South Carolina, see our STR / Airbnb DSCR program for how projected income is underwritten.

Guidelines reviewed July 2026 by the Mortava lending team.

South Carolina DSCR loan FAQ

Can I get a DSCR loan in South Carolina?
Yes. Mortava lends on investment properties across South Carolina, including Charleston, Columbia, Greenville, Myrtle Beach. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in South Carolina without W-2s or DTI.
What credit score do I need for a South Carolina DSCR loan?
Most South Carolina DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a South Carolina DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in South Carolina.
Can I use a DSCR loan for an Airbnb or short-term rental in South Carolina?
Yes. Mortava's STR DSCR program qualifies South Carolina short-term rentals on projected rental income — no long Airbnb history required. Local STR rules vary by city and county in markets like Charleston, so confirm licensing before you buy.
Do you lend on rentals in Charleston and Columbia?
Yes — Mortava lends across Charleston, Columbia, Greenville, Myrtle Beach and every other South Carolina market. DSCR loans are sized on each property's rent, so a Charleston duplex and a small-town single-family are underwritten the same way.
DSCR rental loans by state
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