Long-term rental financing for investment properties across South Carolina — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major South Carolina metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
SC is one of the top-inflow states in the country. Greenville is a major manufacturing hub (BMW/Michelin) driving stable employment. Charleston combines port-city commercial activity with a strong coastal STR market. Landlord-friendly law rounds it out.
South Carolina has ranked among the top US states for net migration for years. That inflow shows up as sustained rental demand across every major metro.
BMW's largest global plant, Michelin's North American HQ, and a deep automotive supply chain anchor Upstate SC's rental demand around Greenville and Spartanburg.
Myrtle Beach, Hilton Head, Folly Beach, and Charleston's beach corridors host active short-term rental markets — SLA's DSCR program supports STR income where local zoning permits.
Whether you're closing a single-asset SFR in a smaller South Carolina market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Charleston County — plus Mount Pleasant, North Charleston, Summerville
Richland + Lexington counties — capital + Fort Jackson demand
Upstate SC — BMW/Michelin manufacturing hub
Upstate — Inland Port + logistics anchor
Horry County — coastal LTR + STR corridor
York County — Charlotte-adjacent commuter market
Beaufort County — premium coastal STR + LTR
Statewide coverage — send us any South Carolina property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 South Carolina properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout South Carolina — Charleston, Columbia, Greenville, Spartanburg, Myrtle Beach, and every other SC metro. Rates from 5.75%, up to 80% LTV.
South Carolina DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every South Carolina metro. High-volume markets: Charleston, Columbia, Greenville, Spartanburg, Myrtle Beach. Secondary markets welcome.
SC is one of the top-inflow states in the country. Greenville is a major manufacturing hub (BMW/Michelin) driving stable employment. Charleston combines port-city commercial activity with a strong coastal STR market. Landlord-friendly law rounds it out.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on South Carolina DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every South Carolina metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for South Carolina builders. 85% land + 85% build. $100K–$7.5M.