DSCR Loans in South Carolina

Start or scale your real estate investment portfolio in South Carolina with a DSCR loan. DSCR loans in South Carolina enable investors to qualify for a mortgage using rental income rather than personal income. No tax returns or employment verification required.

  • Obtain financing based on cash flow 
  • No-income mortgage solution 
  • Buy or refinance short- and long-term rentals 
  • Unlimited cash-out
  • Competitive DSCR loan rates in South Carolina
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Areas We Serve

Griffin Funding provides DSCR loans to borrowers throughout South Carolina, including the following areas:

  • Charleston
  • North Charleston
  • Rock Hill
  • Summerville
  • Hilton Head Island
  • Columbia
  • Mount Pleasant
  • Greenville
  • Goose Creek
  • Sumter
  • Sullivans Island
  • Sheldon
  • Kiawah Island
  • Isle of Palms
  • Sunset
  • Folly Beach
  • Seabrook Island
  • And more

Real Estate Investment Financing in South Carolina

Debt service coverage ratio (DSCR) loans allow real estate investors to qualify for a mortgage based on a property’s cash flow rather than personal income. Instead of reviewing tax returns or pay stubs, we prioritize a property’s DSCR — which measures its income versus its debt obligations — to make a lending decision. This offers a flexible mortgage solution for real estate investors looking to build or expand their portfolio. 

DSCR loans can be used to purchase or refinance long-term and short-term rental properties, with financing available for many different property types and no limit on the number of properties financed. Access up to $20 million in financing while enjoying a streamlined underwriting process with no income or employment verification. 

Visit our DSCR loan page to learn more about this type of financing and see today’s rates. Contact Griffin Funding or get started online to take the first step towards securing a DSCR loan in South Carolina.