South Carolina (Rental)

The Premier Private Money Lender for South Carolina (Rental) Real Estate Investors

Loan Programs
Market Value
Case Studies

The Ideal Lender for DSCR Loans in South Carolina

South Carolina is full of real estate opportunities, from single-family rentals in Greenville to short-term properties along the coast. When it’s time to finance your next investment, you need a lending partner who understands the market and moves as fast as you do. That’s where Lima One comes in.

Headquartered right here in the Palmetto State, we offer DSCR loan programs in South Carolina designed specifically for real estate investors. With expert guidance, competitive rates, and an in-house team that keeps the process simple and efficient, we help you secure funding based on the property’s true potential to help you grow your portfolio. Partner with us today to explore our South Carolina DSCR loans and see why we’re the go-to lender for investors across the Palmetto State.

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Loan Types

Apply For DSCR Loans in South Carolina Today

When the right rental property in South Carolina comes along, you need financing that moves as quickly as you do. Our DSCR loan programs are designed for real estate investors looking to build cash flow and expand their portfolios across the Palmetto State. Explore the full range of Lima One investment property loan products below and discover how we can help you close your next deal with confidence.

FixNFlip

Our flexible FixNFlip loans simplify the approval process and enable you to move quickly, maximize your leverage, and pivot when necessary.

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FixNFlip
Fix2Rent
Bridge Plus

New Construction

Whether your strategy is Build For Rent or Build for Sell, we specialize in vertical construction financing on infill, shovel-ready, fully entitled land on single builds or developments.

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New Construction
Build2Rent
Bridge Plus

Bridge Plus

When you need to close quickly or want to buy some extra time to finalize your business plan, a basic Bridge Loan is the tool you need to add versatility and flexibility to your strategy.

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Bridge Loan for Builders
Bridge Loan for Rental Investors

Rental

Our rental investment loans are flexible and versatile, giving you the leverage you need and the reliable capital you want.

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Portfolio Rental
Single Family Rental
Short-Term Rental

Why Lima One

Looking for Rental Financing in South Carolina?

When you invest in South Carolina real estate, having the right financing partner can make all the difference. As a company headquartered in this state, Lima One can provide DSCR loan programs designed specifically for investors who want flexible terms, fast closings, and a simple approval process based on the property, not personal income. Here’s why real estate investors across the Palmetto State choose us for their rental property financing needs.

Reliable Capital for South Carolina Rental Projects

Our DSCR loans are backed by MFA Financial, giving you access to stable, dependable funding when you need it. Whether you’re purchasing single-family rentals, short-term rentals, or building a long-term portfolio, we provide capital you can count on to keep your investments moving forward.

Knowledgeable Team for Rental Loans in SC

Successful real estate investing takes strategy, and our team has the experience to guide you through it. From loan officers to market analysts, you’ll have experts on your side helping you make informed decisions about your financing options.

Approvals Built Around Investors, Not Paperwork

We understand that real estate investors need flexibility. That’s why our approval process focuses on your property’s potential, your investment experience, and your financial goals, so you can secure the financing you need without unnecessary roadblocks.

South Carolina (Rental) Real Estate Investment Case Studies

From Greenville single-family rentals to Charleston short-term properties, our South Carolina DSCR loan programs have helped investors close deals quickly and grow their portfolios with confidence. Take a look at some of our recent South Carolina rental property case studies to see how we’ve partnered with investors like you to turn opportunities into long-term income.

Greenville, SC

19 Harvest Lane in Greenville, SC

A repeat borrower used Lima One’s fix and flip loan to rake in massive profit on a luxury home.

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708 Barkwood Court in Boilings Springs, SC

Greenville, SC

300 North Highway 25 Bypass in Greenville, SC

Lima One helped investors unlock the potential of a multifamily complex with value-focused underwriting.

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Greenville, SC

301 Margaretta Drive in Greenville, SC

A luxury home builder used Lima One’s flexible financing and in-house servicing to ensure a profitable exit.

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Mauldin, SC

108 Kingsley Drive in Mauldin, SC

A first-time flipper discovered the advantages of working with Lima One on a profitable deal.

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Why South Carolina Rental Markets Are Poised for Strong DSCR Loans

South Carolina is showing several trends that make rental property investments and DSCR loan-based financing especially appealing right now:

Rising Rents and Tight Supply in Key Markets: In Greenville’s 2025 housing market, long-term average rents are ~$1,635/month, while short-term rentals are around $2,335/month. This rent pressure suggests strong cash flow potential for rental properties in Greenville.
Charleston’s Premium Rental Market: As of September 2025, Charleston rents are significantly above national averages, averaging ~$2,850/month, which signals that high-rent SFRs and STRs may produce attractive DSCR ratios.
Statewide Average Rent Provides Baseline: In the same timeframe and across the entire state, the average rent is about $1,392/month with small year-over-year increases. Investors using DSCR loan programs can model cash flow conservatively using these averages while targeting higher performance in stronger sub-markets.
Growth Drivers: Migration, Infrastructure, and Lifestyle: Throughout 2024 and 2025, South Carolina has continued to attract inbound migration, leading to infrastructure improvements, and lifestyle demand (coastal, suburban, remote work trends). These all feed into sustained rental demand.

Altogether, this environment favors properties with stable demand, rising rents, and good occupancy: key factors when underwriting DSCR loans. Higher rents improve DSCR ratios, while solid demand makes exiting (refinance or resale) more predictable. In hotspots like Charleston, Greenville, and Columbia, investors using DSCR loan programs can often count on more favorable income assumptions, tighter market risk, and better cash flow margins.

Benefits of DSCR Loan Programs in South Carolina

Speed: Quick closings keep you competitive in South Carolina’s hottest real estate markets.
Flexibility: Options for single-family rentals, short-term rentals, or entire portfolios.
Cash Flow Focus: Approval based on property income, not personal income requirements.
Investor-Friendly Terms: Competitive rates and in-house loan servicing designed for real estate investors..

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