DSCR Loans in Dorchester 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, 96 lenders made 221 investment-property loans in Dorchester County, 2.4% of South Carolina's total. Dominick Prevete arranges DSCR loans across Dorchester 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 $365,000.
Dorchester County investor market at a glance
| Statistic | Dorchester County | South Carolina | County rank |
|---|---|---|---|
| Investor loans | 221 | 9,079 | 12th of 17 |
| Reporting lenders | 96 | 498 | 11th of 17 |
| Loan volume | $60.2M | $2.59B | 12th of 17 |
| Average loan | $273K | $286K | 6th of 17 |
| Median loan | $245K | $195K | 4th of 17 |
| Purchases | 62.0% | 64.8% | 10th of 17 |
| Cash-out refinances | 19.9% | 15.8% | 6th of 17 |
| 2–4 unit properties | 12.2% | 8.1% | 5th of 17 |
| Top five lenders' share | 26.2% | 16.9% | 12th of 17 |
| Reported business-purpose | 73.3% | 68.4% | 5th of 17 |
Dorchester County: closed-end loans on 1–4 unit investment properties. Dorchester County's rank is highest first, among South Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Dorchester County's investor loans.
What stands out in Dorchester County
The median investor loan in Dorchester County was $245K, the 4th-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.
Dorchester County's 221 investor loans ranked 12th of South Carolina's 17 counties with published data.
Does a DSCR loan pencil in Dorchester County?
At HUD's fair market rent of $2,336 for a 3-bedroom in Dorchester County, South Carolina, a rental covers its full DSCR payment up to a purchase price of about $365,000, with 20% down at the 7.25% starting rate (November 2026). Dorchester County's median home value is $329,300; at that price the payment is $2,089 a month, so the property would need $2,100 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) | $1,884 / $2,336 / $2,687 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $329,300 |
| Median property taxes and effective rate | $1,851 (0.56% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,089 |
| Rent needed to cover that payment | $2,100 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $365,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $590,000 |
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 Dorchester County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Dorchester County?
The most active investment-property lenders in Dorchester County in 2025 HMDA data were Kiavi Funding, Inc.; VELOCITY COMMERCIAL CAPITAL, LLC; and LENNAR MORTGAGE, LLC, out of 96 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 several that reported in Dorchester County, and matches each file to the one most likely to fund it.
Dorchester County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 221 loans and $60.2M from 96 lenders. Kiavi Funding, Inc. led Dorchester County with 20 loans, 9.0% of the county's total, and the average Dorchester County loan of $273K compares with $286K across South Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 20 | $5.3M | $263K | 85.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | $5.3M | $408K | 7.7% |
| LENNAR MORTGAGE, LLC | 11 | $2.3M | $212K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $2.2M | $270K | 50.0% |
| A&D Mortgage LLC | 6 | $1.4M | $237K | 100.0% |
| Hometown Equity Mortgage, LLC | 5 | $1.8M | $361K | 60.0% |
| General Mortgage Capital Corporation | 5 | $1.7M | $347K | 100.0% |
| First National Bank of South Carolina | 5 | $1.6M | $325K | 80.0% |
| Logan Finance Corporation | 5 | $1.6M | $311K | 40.0% |
| DIRECT MORTGAGE LOANS, LLC | 5 | $1.1M | $227K | 60.0% |
| The Bank of South Carolina | 4 | $1.1M | $278K | 0.0% |
| CMG MORTGAGE, INC. | 4 | $1.0M | $243K | 75.0% |
| Ameris Bank | 4 | $0.9M | $230K | 50.0% |
| Rocket Mortgage, LLC | 4 | $0.8M | $205K | 75.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | $0.7M | $165K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $0.7M | $163K | 25.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | $0.4M | $95K | 100.0% |
| First Capital Bank | 3 | $2.3M | $768K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.9M | $298K | 66.7% |
| Emporium TPO LLC | 3 | $0.8M | $265K | 66.7% |
| OCMBC, INC. | 3 | $0.8M | $258K | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.7M | $228K | 66.7% |
| Commerce Home Mortgage, Inc. | 3 | $0.7M | $225K | 100.0% |
| Fairway Independent Mortgage Corporation | 3 | $0.7M | $218K | 66.7% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.6M | $212K | 66.7% |
251 South Carolina loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Dorchester County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Dorchester County CSV, all 25 lenders
What Dorchester County's table can't show you: fit. Short-term financing is exempt from HMDA, so Dorchester County's fix-and-flip and bridge lenders barely appear among its 96 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 several 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 Dorchester County, South Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Dorchester 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 — Dorchester County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 96 lenders and 221 loans: 2025 HMDA loan-level data rolled up to Dorchester County.
- Dorchester County investor-lender dataset (CSV) — All 25 lenders in the Dorchester County, South Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Dorchester 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 Charleston-North Charleston, SC MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Dorchester 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.