DSCR Loans in Greenville County, South Carolina
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 176 lenders made 804 investment-property loans in Greenville County, 8.9% of South Carolina's total. Dominick Prevete arranges DSCR loans across Greenville 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 $285,000.
Greenville County investor market at a glance
| Statistic | Greenville County | South Carolina | County rank |
|---|---|---|---|
| Investor loans | 804 | 9,079 | 3rd of 17 |
| Reporting lenders | 176 | 498 | 3rd of 17 |
| Loan volume | $203.1M | $2.59B | 4th of 17 |
| Average loan | $253K | $286K | 9th of 17 |
| Median loan | $215K | $195K | 7th of 17 |
| Purchases | 62.6% | 64.8% | 9th of 17 |
| Cash-out refinances | 19.2% | 15.8% | 7th of 17 |
| 2–4 unit properties | 8.2% | 8.1% | 10th of 17 |
| Top five lenders' share | 25.0% | 16.9% | 14th of 17 |
| Reported business-purpose | 69.4% | 68.4% | 10th of 17 |
Greenville County: closed-end loans on 1–4 unit investment properties. Greenville County's rank is highest first, among South Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Greenville County's investor loans.
What stands out in Greenville County
The five most active lenders wrote 25.0% of Greenville County's investor loans, the 4th-lowest share of South Carolina's 17 counties with published data (statewide: 16.9%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Greenville County's 804 investor loans ranked 3rd of South Carolina's 17 counties with published data.
Does a DSCR loan pencil in Greenville County?
At HUD's fair market rent of $1,801 for a 3-bedroom in Greenville County, South Carolina, a rental covers its full DSCR payment up to a purchase price of about $285,000, with 20% down at the 7.25% starting rate (November 2026). Greenville County's median home value is $299,000; at that price the payment is $1,882 a month, so the property would need $1,900 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) | $1,507 / $1,801 / $2,124 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $299,000 |
| Median property taxes and effective rate | $1,512 (0.51% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,882 |
| Rent needed to cover that payment | $1,900 |
| Coverage of a 3-bedroom at fair market rent | 0.96 |
| Highest price a 3-bedroom at fair market rent covers | about $285,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $475,000 |
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 Greenville County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Greenville County?
The most active investment-property lenders in Greenville County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and LIMA ONE CAPITAL, LLC, out of 176 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 Greenville County, and matches each file to the one most likely to fund it.
Greenville County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 804 loans and $203.1M from 176 lenders. Kiavi Funding, Inc. led Greenville County with 52 loans, 6.5% of the county's total, and the average Greenville County loan of $253K compares with $286K across South Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 52 | $14.4M | $278K | 71.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 44 | $8.5M | $193K | 54.5% |
| LIMA ONE CAPITAL, LLC | 37 | $9.7M | $261K | 81.1% |
| Bank of Travelers Rest | 37 | $9.5M | $257K | 62.2% |
| Southern First Bank | 31 | $9.0M | $292K | 67.7% |
| LENNAR MORTGAGE, LLC | 29 | $5.2M | $179K | 100.0% |
| First Heritage Mortgage, LLC | 25 | $5.8M | $233K | 100.0% |
| THE LOAN STORE, INC. | 23 | $6.0M | $259K | 73.9% |
| Rocket Mortgage, LLC | 20 | $3.8M | $190K | 50.0% |
| Loan Funder LLC | 16 | $7.1M | $446K | 43.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | $4.4M | $273K | 75.0% |
| Hometown Equity Mortgage, LLC | 14 | $3.4M | $246K | 35.7% |
| HOMEXPRESS MORTGAGE CORP. | 14 | $3.1M | $222K | 7.1% |
| Arthur State Bank | 10 | $2.9M | $289K | 80.0% |
| NEXERA HOLDING LLC | 10 | $2.2M | $219K | 60.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | $2.1M | $210K | 80.0% |
| LENDINGONE, LLC | 10 | $1.9M | $195K | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | $1.8M | $179K | 80.0% |
| CHAMPIONS FUNDING, LLC | 9 | $2.0M | $225K | 55.6% |
| AMERICAN HERITAGE LENDING, LLC | 9 | $1.7M | $192K | 22.2% |
| United Community Bank | 8 | $2.6M | $325K | 50.0% |
| Countybank | 8 | $1.8M | $226K | 75.0% |
| A&D Mortgage LLC | 8 | $1.4M | $181K | 50.0% |
| First Community Bank | 7 | $2.2M | $309K | 85.7% |
| CV3 FINANCIAL SERVICES, LLC | 7 | $1.9M | $271K | 42.9% |
251 South Carolina loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Greenville County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Greenville County CSV, all 25 lenders
What Greenville County's table can't show you: fit. Short-term financing is exempt from HMDA, so Greenville County's fix-and-flip and bridge lenders barely appear among its 176 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 Greenville County, South Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Greenville 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 — Greenville County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 176 lenders and 804 loans: 2025 HMDA loan-level data rolled up to Greenville County.
- Greenville County investor-lender dataset (CSV) — All 25 lenders in the Greenville County, South Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Greenville 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 Greenville-Mauldin-Easley, SC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Greenville 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.