South Carolina DSCR Loan Calculator
Screen a South Carolina rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for South Carolina; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
South Carolina DSCR assumptions
The calculator seeds South Carolina with a starting property value of $260,000.00, starting rent of $1,250.00, annual property tax based on a 0.49% effective rate, and estimated annual insurance of $2,334.00.
STR note: No statewide restrictions. Hilton Head, Myrtle Beach, Isle of Palms, and Folly Beach have active STR ordinance frameworks. Coastal town STR rules are evolving rapidly. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Charleston/Charleston County (port city, strong appreciation, hybrid). Columbia/Richland County (state capital, USC, military, hybrid cash flow). Greenville/Greenville County (fastest-growing SC market, BMW/Michelin manufacturing, strong hybrid). Myrtle Beach/Horry County (tourism, STR-driven market, cash flow). Hilton Head/Beaufort County (premium resort market, appreciation/STR). Spartanburg/Spartanburg County (manufacturing, affordable cash flow).
Related REI Analyzers
Compare fix-and-flip net profit vs. BRRRR cash-out refi with state-aware taxes, insurance, and worst-case stress testing.
Model real post-purchase rental cash flow with state-specific post-sale tax-reset modeling for all 50 states.
Estimate seller net proceeds with payoff lines, credits, state-specific 2026 closing costs, local transfer-tax overrides, and optional buyer payment context.
Underwrite house flips with net profit, ROI, max offer, holding-cost burn, and state-aware stress testing.
Project short-term rental revenue, platform fees, lodging taxes, NOI, cash flow, and break-even occupancy.
Underwrite duplexes, fourplexes, and small apartment buildings with rent roll, NOI, NCF, DSCR, cap rate, cash flow, and state-specific warnings.