DSCR Loans in Georgetown 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, 65 lenders made 131 investment-property loans in Georgetown County, 1.4% of South Carolina's total. Dominick Prevete arranges DSCR loans across Georgetown 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 $220,000.
Georgetown County investor market at a glance
| Statistic | Georgetown County | South Carolina | County rank |
|---|---|---|---|
| Investor loans | 131 | 9,079 | 17th of 17 |
| Reporting lenders | 65 | 498 | 15th of 17 |
| Loan volume | $66.8M | $2.59B | 8th of 17 |
| Average loan | $510K | $286K | 2nd of 17 |
| Median loan | $295K | $195K | 3rd of 17 |
| Purchases | 65.6% | 64.8% | 7th of 17 |
| Cash-out refinances | 8.4% | 15.8% | 16th of 17 |
| 2–4 unit properties | 6.1% | 8.1% | 11th of 17 |
| Top five lenders' share | 32.8% | 16.9% | 5th of 17 |
| Reported business-purpose | 46.6% | 68.4% | 17th of 17 |
Georgetown County: closed-end loans on 1–4 unit investment properties. Georgetown County's rank is highest first, among South Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Georgetown County's investor loans.
What stands out in Georgetown County
46.6% of Georgetown County's investor loans were reported as business-purpose, the lowest share of South Carolina's 17 counties with published data (statewide: 68.4%).
Fewer investor loans here were reported as business-purpose than in most of South Carolina. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The average investor loan in Georgetown County was $510K, the 2nd-highest average of South Carolina's 17 counties with published data (statewide: $286K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
8.4% of Georgetown County's investor loans were cash-out refinances, the 2nd-lowest share of South Carolina's 17 counties with published data (statewide: 15.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Georgetown County?
At HUD's fair market rent of $1,380 for a 3-bedroom in Georgetown County, South Carolina, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Georgetown County's median home value is $289,500; at that price the payment is $1,800 a month, so the property would need $1,800 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) | $1,158 / $1,380 / $1,936 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $289,500 |
| Median property taxes and effective rate | $1,190 (0.41% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,800 |
| Rent needed to cover that payment | $1,800 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
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 Georgetown County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Georgetown County?
The most active investment-property lenders in Georgetown County in 2025 HMDA data were The Conway National Bank, Anderson Brothers Bank and The Citizens Bank, out of 65 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 Georgetown County, and matches each file to the one most likely to fund it.
Georgetown County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 131 loans and $66.8M from 65 lenders. The Conway National Bank led Georgetown County with 19 loans, 14.5% of the county's total, and the average Georgetown County loan of $510K compares with $286K across South Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Conway National Bank | 19 | $14.4M | $757K | 57.9% |
| Anderson Brothers Bank | 7 | $2.6M | $371K | 71.4% |
| The Citizens Bank | 7 | $1.3M | $191K | 57.1% |
| Rocket Mortgage, LLC | 5 | $2.2M | $447K | 80.0% |
| THE LOAN STORE, INC. | 5 | $1.9M | $383K | 100.0% |
| South Atlantic Bank | 5 | $1.8M | $363K | 60.0% |
| Southern First Bank | 4 | $2.3M | $565K | 50.0% |
| Ameris Bank | 4 | $1.5M | $365K | 75.0% |
| Kiavi Funding, Inc. | 4 | $0.7M | $168K | 75.0% |
| MOVEMENT MORTGAGE, LLC | 3 | $0.7M | $248K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | $0.7M | $242K | 0.0% |
| First Reliance Bank | 2 | $4.3M | $2160K | 100.0% |
| Churchill Funding I LLC | 2 | $3.7M | $1865K | 0.0% |
| GUARANTEED RATE, INC. | 2 | $2.2M | $1110K | 50.0% |
| First Bank | 2 | $1.9M | $955K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | $1.1M | $565K | 50.0% |
| SouthState Bank, National Association | 2 | $0.7M | $355K | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.6M | $300K | 100.0% |
| KIND LENDING, LLC | 2 | $0.5M | $270K | 100.0% |
| Pinnacle Bank | 2 | $0.5M | $235K | 50.0% |
| Gateway First Bank | 2 | $0.4M | $190K | 50.0% |
| T2 FINANCIAL LLC | 2 | $0.4M | $185K | 100.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | $2.5M | $2525K | 0.0% |
| Alcova Mortgage LLC | 1 | $1.8M | $1815K | 100.0% |
| Monson Savings Bank | 1 | $1.4M | $1425K | 100.0% |
251 South Carolina loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Georgetown County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Georgetown County CSV, all 25 lenders
What Georgetown County's table can't show you: fit. Short-term financing is exempt from HMDA, so Georgetown County's fix-and-flip and bridge lenders barely appear among its 65 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 Georgetown County, South Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Georgetown 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 — Georgetown County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 65 lenders and 131 loans: 2025 HMDA loan-level data rolled up to Georgetown County.
- Georgetown County investor-lender dataset (CSV) — All 25 lenders in the Georgetown County, South Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Georgetown 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 Georgetown County, SC.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Georgetown 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.