DSCR Loans in Beaufort 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, 164 lenders made 601 investment-property loans in Beaufort County, 6.6% of South Carolina's total. Dominick Prevete arranges DSCR loans across Beaufort 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 $380,000.
Beaufort County investor market at a glance
| Statistic | Beaufort County | South Carolina | County rank |
|---|---|---|---|
| Investor loans | 601 | 9,079 | 5th of 17 |
| Reporting lenders | 164 | 498 | 4th of 17 |
| Loan volume | $305.6M | $2.59B | 3rd of 17 |
| Average loan | $508K | $286K | 3rd of 17 |
| Median loan | $335K | $195K | 1st of 17 |
| Purchases | 71.5% | 64.8% | 2nd of 17 |
| Cash-out refinances | 15.3% | 15.8% | 12th of 17 |
| 2–4 unit properties | 2.2% | 8.1% | 17th of 17 |
| Top five lenders' share | 30.6% | 16.9% | 8th of 17 |
| Reported business-purpose | 54.1% | 68.4% | 15th of 17 |
Beaufort County: closed-end loans on 1–4 unit investment properties. Beaufort County's rank is highest first, among South Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Beaufort County's investor loans.
What stands out in Beaufort County
The median investor loan in Beaufort County was $335K, the highest median of South Carolina's 17 counties with published data (statewide: $195K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
2.2% of Beaufort County's investor loans financed a 2–4 unit property, the 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.
71.5% of Beaufort County's investor loans were purchases, the 2nd-highest share of South Carolina's 17 counties with published data (statewide: 64.8%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Does a DSCR loan pencil in Beaufort County?
At HUD's fair market rent of $2,395 for a 3-bedroom in Beaufort County, South Carolina, a rental covers its full DSCR payment up to a purchase price of about $380,000, with 20% down at the 7.25% starting rate (November 2026). Beaufort County's median home value is $455,600; at that price the payment is $2,857 a month, so the property would need $2,875 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,010 / $2,395 / $2,880 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $455,600 |
| Median property taxes and effective rate | $2,174 (0.48% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,857 |
| Rent needed to cover that payment | $2,875 |
| Coverage of a 3-bedroom at fair market rent | 0.84 |
| Highest price a 3-bedroom at fair market rent covers | about $380,000 |
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 Beaufort County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Beaufort County?
The most active investment-property lenders in Beaufort County in 2025 HMDA data were MOVEMENT MORTGAGE, LLC; NORTHPOINT MORTGAGE, INC.; and EAST COAST CAPITAL CORP., out of 164 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 Beaufort County, and matches each file to the one most likely to fund it.
Beaufort County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 601 loans and $305.6M from 164 lenders. MOVEMENT MORTGAGE, LLC led Beaufort County with 69 loans, 11.5% of the county's total, and the average Beaufort County loan of $508K compares with $286K across South Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | 69 | $29.4M | $426K | 95.7% |
| NORTHPOINT MORTGAGE, INC. | 44 | $18.5M | $420K | 79.5% |
| EAST COAST CAPITAL CORP. | 32 | $18.6M | $580K | 87.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 21 | $7.1M | $340K | 52.4% |
| Rocket Mortgage, LLC | 18 | $9.2M | $508K | 55.6% |
| GUARANTEED RATE, INC. | 18 | $7.3M | $406K | 66.7% |
| EMM LOANS LLC | 16 | $5.4M | $339K | 81.2% |
| EQUITY RESOURCES, INC. | 16 | $4.6M | $289K | 75.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $4.3M | $392K | 90.9% |
| Hometown Equity Mortgage, LLC | 11 | $3.7M | $339K | 45.5% |
| NEWREZ LLC | 11 | $3.0M | $273K | 90.9% |
| HOMEXPRESS MORTGAGE CORP. | 9 | $2.6M | $284K | 11.1% |
| Ameris Bank | 8 | $4.6M | $574K | 75.0% |
| Coastal States Bank | 7 | $7.0M | $1002K | 71.4% |
| Kiavi Funding, Inc. | 7 | $2.8M | $394K | 85.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | $2.2M | $308K | 42.9% |
| A&D Mortgage LLC | 7 | $1.5M | $208K | 71.4% |
| U.S. Bank National Association | 6 | $2.2M | $365K | 83.3% |
| Gateway First Bank | 6 | $2.0M | $327K | 50.0% |
| GUILD MORTGAGE COMPANY | 6 | $1.4M | $242K | 66.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | $10.5M | $2093K | 80.0% |
| ARC HOME LLC | 5 | $3.9M | $783K | 80.0% |
| NEXERA HOLDING LLC | 5 | $3.5M | $691K | 60.0% |
| T2 FINANCIAL LLC | 5 | $3.5M | $691K | 80.0% |
| First Federal Bank | 5 | $2.6M | $519K | 60.0% |
251 South Carolina loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Beaufort County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Beaufort County CSV, all 25 lenders
What Beaufort County's table can't show you: fit. Short-term financing is exempt from HMDA, so Beaufort County's fix-and-flip and bridge lenders barely appear among its 164 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 Beaufort County, South Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Beaufort 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 — Beaufort County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 164 lenders and 601 loans: 2025 HMDA loan-level data rolled up to Beaufort County.
- Beaufort County investor-lender dataset (CSV) — All 25 lenders in the Beaufort County, South Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Beaufort 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 Beaufort County, SC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Beaufort 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.