All Programs and Guides on Investor Loans South Carolina
Every guide on this site, one screen. Program pages carry the mechanics; market pages carry the local numbers and permit rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: ordinary rules, BRRRR seasoning, attorney closing, prepay terms.
- Short-term rental loans: Airbnb and coastal STR financing with honest income-documentation lanes and the insurance stack.
- LLC lending: close in the entity; the $110 one-time fee; why South Carolina has no series LLC; I-290.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks, attorney office booked early.
Market guides
- Charleston: the priciest market; zone-and-category STR rules; the historic district.
- Myrtle Beach: the Grand Strand STR-yield market and its resort-zone rules.
- Greenville–Spartanburg: the Upstate cash-flow and build-to-rent corridor.
- Columbia: the capital, the university, and Fort Jackson BAH demand.
South Carolina reference
- The 6% property-tax trap: why a rental costs 2.5 to 3 times an owner-occupant's on the same house.
- STR rules by city: the eight-jurisdiction status table, verified July 2026.
- Rental property taxes: the 6% ratio mechanics, ATI, the 25% election, and H.4216.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City STR rules, tax figures, and filing deadlines change; verify current requirements with the city or county, your CPA, or a South Carolina real estate attorney before you buy. Loans are subject to buyer and property qualification.