South Carolina DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
South Carolina (SC) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in South Carolina utilize Judicial (Master-in-Equity Referral) security instruments, with an average non-homestead effective property tax rate of 0.56%, a median 1–4 unit investment home price of $355,000 (median rent $2,620/mo), and 5+ unit multifamily market rents averaging $1,520/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Judicial (Master-in-Equity Referral)EFFECTIVE PROPERTY TAX
0.56% Avg ($166/mo)MEDIAN 1–4 UNIT PRICE & RENT
$355,000 · $2,620/mo5+ UNIT MULTIFAMILY RENT
$1,520/door/moSouth Carolina Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $355,000·Loan/Door: $266,250·Avg Rent/Door: $2,620/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.31xCanonical:
131 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$266,25026,625,000 _cents
Monthly P&I Debt Service$1,705/mo@ 6.625% Note Rate
Total Monthly PITIA$1,995/moTax: $166 · Ins: $124
Net Monthly Cash Flow+$625/mo$7,503/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $1,995/mo | 1.31x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,039/mo | 1.28x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,843/mo | 1.42x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
South Carolina Cities with Population ≥ 50,000 (7 Markets)
Click any South Carolina city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (SC) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Columbia, SC → | RICHLAND County County | 145,360 | 0.55% | $315,000 | $2,350/mo | $1,375/door |
| Charleston, SC → | CHARLESTON County County | 139,519 | 0.57% | $345,000 | $2,550/mo | $1,475/door |
| North Charleston, SC → | CHARLESTON County County | 113,419 | 0.52% | $325,000 | $2,400/mo | $1,400/door |
| Mount Pleasant, SC → | CHARLESTON County County | 81,625 | 0.56% | $340,000 | $2,500/mo | $1,450/door |
| Rock Hill, SC → | YORK County County | 75,322 | 0.57% | $345,000 | $2,550/mo | $1,475/door |
| Greenville, SC → | GREENVILLE County County | 66,923 | 0.59% | $355,000 | $2,600/mo | $1,500/door |
| Summerville, SC → | DORCHESTER County County | 50,221 | 0.57% | $345,000 | $2,550/mo | $1,475/door |