DSCR Loans in Oconee 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, 79 lenders made 134 investment-property loans in Oconee County, 1.5% of South Carolina's total. Dominick Prevete arranges DSCR loans across Oconee 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 $175,000.
Oconee County investor market at a glance
| Statistic | Oconee County | South Carolina | County rank |
|---|---|---|---|
| Investor loans | 134 | 9,079 | 15th of 17 |
| Reporting lenders | 79 | 498 | 13th of 17 |
| Loan volume | $43.3M | $2.59B | 14th of 17 |
| Average loan | $323K | $286K | 4th of 17 |
| Median loan | $225K | $195K | 6th of 17 |
| Purchases | 64.2% | 64.8% | 8th of 17 |
| Cash-out refinances | 22.4% | 15.8% | 3rd of 17 |
| 2–4 unit properties | 9.0% | 8.1% | 8th of 17 |
| Top five lenders' share | 19.4% | 16.9% | 17th of 17 |
| Reported business-purpose | 67.2% | 68.4% | 13th of 17 |
Oconee County: closed-end loans on 1–4 unit investment properties. Oconee County's rank is highest first, among South Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Oconee County's investor loans.
What stands out in Oconee County
The five most active lenders wrote 19.4% of Oconee County's investor loans, the 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.
22.4% of Oconee County's investor loans were cash-out refinances, the 3rd-highest share of South Carolina's 17 counties with published data (statewide: 15.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The average investor loan in Oconee County was $323K, the 4th-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.
Does a DSCR loan pencil in Oconee County?
At HUD's fair market rent of $1,090 for a 3-bedroom in Oconee County, South Carolina, a rental covers its full DSCR payment up to a purchase price of about $175,000, with 20% down at the 7.25% starting rate (November 2026). Oconee County's median home value is $237,100; at that price the payment is $1,468 a month, so the property would need $1,475 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) | $894 / $1,090 / $1,204 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $237,100 |
| Median property taxes and effective rate | $899 (0.38% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,468 |
| Rent needed to cover that payment | $1,475 |
| Coverage of a 3-bedroom at fair market rent | 0.74 |
| Highest price a 3-bedroom at fair market rent covers | about $175,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $285,000 |
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 Oconee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Oconee County?
The most active investment-property lenders in Oconee County in 2025 HMDA data were Kiavi Funding, Inc.; Oconee Federal Savings and Loan Association; and SouthState Bank, National Association, out of 79 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 Oconee County, and matches each file to the one most likely to fund it.
Oconee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 134 loans and $43.3M from 79 lenders. Kiavi Funding, Inc. led Oconee County with 7 loans, 5.2% of the county's total, and the average Oconee County loan of $323K compares with $286K across South Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 7 | $2.3M | $322K | 100.0% |
| Oconee Federal Savings and Loan Association | 5 | $2.1M | $429K | 60.0% |
| SouthState Bank, National Association | 5 | $1.2M | $249K | 80.0% |
| BPL MORTGAGE TRUST, LLC | 5 | $0.7M | $147K | 0.0% |
| LEI:894500CFQPXSLHK0OK52 | 4 | $1.1M | $265K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | $0.8M | $208K | 25.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.7M | $225K | 33.3% |
| DHI MORTGAGE COMPANY, LTD. | 3 | $0.7M | $222K | 100.0% |
| Rocket Mortgage, LLC | 3 | $0.7M | $222K | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | $0.6M | $202K | 33.3% |
| 21st Mortgage Corporation | 3 | $0.5M | $162K | 100.0% |
| Bank of Travelers Rest | 2 | $2.4M | $1205K | 100.0% |
| Primis Mortgage Company | 2 | $1.4M | $720K | 100.0% |
| Commerce Home Mortgage, Inc. | 2 | $1.4M | $690K | 50.0% |
| Easy Street Capital, LLC | 2 | $1.0M | $495K | 0.0% |
| Wells Fargo Bank, National Association | 2 | $1.0M | $485K | 100.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | $0.8M | $415K | 50.0% |
| Blue Ridge Bank | 2 | $0.8M | $400K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.7M | $360K | 100.0% |
| HQ Mortgage LLC | 2 | $0.7M | $330K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.6M | $320K | 100.0% |
| Anderson Brothers Bank | 2 | $0.6M | $280K | 100.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.6M | $280K | 0.0% |
| American Security Mortgage Corp. | 2 | $0.6M | $275K | 100.0% |
| Logan Finance Corporation | 2 | $0.4M | $205K | 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 Oconee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Oconee County CSV, all 25 lenders
What Oconee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Oconee County's fix-and-flip and bridge lenders barely appear among its 79 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 Oconee County, South Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Oconee 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 — Oconee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 79 lenders and 134 loans: 2025 HMDA loan-level data rolled up to Oconee County.
- Oconee County investor-lender dataset (CSV) — All 25 lenders in the Oconee County, South Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Oconee 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 Oconee County, SC.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Oconee 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.