DSCR Loans in Aiken County, South Carolina
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 91 lenders made 248 investment-property loans in Aiken County, 2.7% of South Carolina's total. Dominick Prevete arranges DSCR loans across Aiken County, South Carolina, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $265,000.
Aiken County investor market at a glance
| Statistic | Aiken County | South Carolina | County rank |
|---|---|---|---|
| Investor loans | 248 | 9,079 | 11th of 17 |
| Reporting lenders | 91 | 498 | 12th of 17 |
| Loan volume | $45.5M | $2.59B | 13th of 17 |
| Average loan | $183K | $286K | 15th of 17 |
| Median loan | $155K | $195K | 15th of 17 |
| Purchases | 57.7% | 64.8% | 12th of 17 |
| Cash-out refinances | 17.3% | 15.8% | 10th of 17 |
| 2–4 unit properties | 4.4% | 8.1% | 15th of 17 |
| Top five lenders' share | 29.0% | 16.9% | 9th of 17 |
| Reported business-purpose | 75.8% | 68.4% | 2nd of 17 |
Aiken County: closed-end loans on 1–4 unit investment properties. Aiken County's rank is highest first, among South Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Aiken County's investor loans.
What stands out in Aiken County
By share of investor loans reported as business-purpose, Aiken County ranks 2nd-highest of South Carolina's 17 counties with published data (statewide: 68.4%).
75.8% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
4.4% of Aiken County's investor loans financed a 2–4 unit property, the 3rd-lowest share of South Carolina's 17 counties with published data (statewide: 8.1%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The average investor loan in Aiken County was $183K, the 3rd-lowest average of South Carolina's 17 counties with published data (statewide: $286K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Aiken County?
At HUD's fair market rent of $1,672 for a 3-bedroom in Aiken County, South Carolina, a rental covers its full DSCR payment up to a purchase price of about $265,000, with 20% down at the 7.25% starting rate (November 2026). Aiken County's median home value is $218,000; at that price the payment is $1,355 a month, so the property would need $1,375 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,329 / $1,672 / $2,035 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $218,000 |
| Median property taxes and effective rate | $897 (0.41% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,355 |
| Rent needed to cover that payment | $1,375 |
| Coverage of a 3-bedroom at fair market rent | 1.23 |
| Highest price a 3-bedroom at fair market rent covers | about $265,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Aiken County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Aiken County?
The most active investment-property lenders in Aiken County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Security Federal Bank, out of 91 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Aiken County, and matches each file to the one most likely to fund it.
Aiken County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 248 loans and $45.5M from 91 lenders. Kiavi Funding, Inc. led Aiken County with 17 loans, 6.9% of the county's total, and the average Aiken County loan of $183K compares with $286K across South Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 17 | $3.9M | $229K | 58.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 16 | $2.5M | $156K | 50.0% |
| Security Federal Bank | 14 | $3.5M | $249K | 78.6% |
| Rocket Mortgage, LLC | 13 | $1.8M | $142K | 30.8% |
| Assurance Financial Group, L.L.C. | 12 | $2.6M | $218K | 25.0% |
| SRP Federal Credit Union | 10 | $1.2M | $117K | 30.0% |
| BPL MORTGAGE TRUST, LLC | 7 | $1.2M | $178K | 57.1% |
| Emporium TPO LLC | 6 | $1.2M | $193K | 16.7% |
| GUILD MORTGAGE COMPANY | 6 | $0.8M | $137K | 83.3% |
| DHI MORTGAGE COMPANY, LTD. | 5 | $0.8M | $167K | 100.0% |
| PINNACLE BANK | 5 | $0.8M | $157K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | $0.6M | $127K | 60.0% |
| First Heritage Mortgage, LLC | 4 | $0.8M | $188K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.5M | $125K | 75.0% |
| 21st Mortgage Corporation | 4 | $0.2M | $60K | 100.0% |
| Wells Fargo Bank, National Association | 3 | $1.1M | $352K | 66.7% |
| Queensborough National Bank & Trust Company | 3 | $1.0M | $342K | 66.7% |
| Ameris Bank | 3 | $0.8M | $268K | 66.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | $0.7M | $225K | 66.7% |
| SouthState Bank, National Association | 3 | $0.7M | $222K | 33.3% |
| SOUTHERN BANK | 3 | $0.5M | $178K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.5M | $168K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.5M | $162K | 33.3% |
| Navy Federal Credit Union | 3 | $0.5M | $162K | 66.7% |
| A&D Mortgage LLC | 3 | $0.5M | $158K | 33.3% |
251 South Carolina loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Aiken County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Aiken County CSV, all 25 lenders
What Aiken County's table can't show you: fit. Short-term financing is exempt from HMDA, so Aiken County's fix-and-flip and bridge lenders barely appear among its 91 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Aiken County, South Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Aiken County, South Carolina property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Aiken County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 91 lenders and 248 loans: 2025 HMDA loan-level data rolled up to Aiken County.
- Aiken County investor-lender dataset (CSV) — All 25 lenders in the Aiken County, South Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Aiken County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Augusta-Richmond County, GA-SC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Aiken County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.