DSCR Loans in Sumter 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, 52 lenders made 134 investment-property loans in Sumter County, 1.5% of South Carolina's total. Dominick Prevete arranges DSCR loans across Sumter 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 $250,000.
Sumter County investor market at a glance
| Statistic | Sumter County | South Carolina | County rank |
|---|---|---|---|
| Investor loans | 134 | 9,079 | 15th of 17 |
| Reporting lenders | 52 | 498 | 17th of 17 |
| Loan volume | $18.6M | $2.59B | 17th of 17 |
| Average loan | $139K | $286K | 17th of 17 |
| Median loan | $125K | $195K | 16th of 17 |
| Purchases | 60.4% | 64.8% | 11th of 17 |
| Cash-out refinances | 20.1% | 15.8% | 5th of 17 |
| 2–4 unit properties | 9.0% | 8.1% | 8th of 17 |
| Top five lenders' share | 36.6% | 16.9% | 3rd of 17 |
| Reported business-purpose | 68.7% | 68.4% | 12th of 17 |
Sumter County: closed-end loans on 1–4 unit investment properties. Sumter County's rank is highest first, among South Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sumter County's investor loans.
What stands out in Sumter County
The average investor loan in Sumter County was $139K, the lowest average of South Carolina's 17 counties with published data (statewide: $286K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 36.6% of Sumter County's investor loans, the 3rd-highest share of South Carolina's 17 counties with published data (statewide: 16.9%).
Five lenders write 36.6% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Sumter County?
At HUD's fair market rent of $1,594 for a 3-bedroom in Sumter County, South Carolina, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Sumter County's median home value is $165,300; at that price the payment is $1,044 a month, so the property would need $1,050 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) | $1,338 / $1,594 / $2,060 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $165,300 |
| Median property taxes and effective rate | $881 (0.53% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,044 |
| Rent needed to cover that payment | $1,050 |
| Coverage of a 3-bedroom at fair market rent | 1.53 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $420,000 |
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 Sumter County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sumter County?
The most active investment-property lenders in Sumter County in 2025 HMDA data were Kiavi Funding, Inc.; The Bank Of Clarendon; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 52 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 Sumter County, and matches each file to the one most likely to fund it.
Sumter County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 134 loans and $18.6M from 52 lenders. Kiavi Funding, Inc. led Sumter County with 18 loans, 13.4% of the county's total, and the average Sumter County loan of $139K compares with $286K across South Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 18 | $2.2M | $124K | 94.4% |
| The Bank Of Clarendon | 12 | $1.5M | $128K | 58.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $1.1M | $151K | 42.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | $0.6M | $107K | 0.0% |
| CNB Bank | 6 | $0.4M | $68K | 100.0% |
| NORTHPOINT MORTGAGE, INC. | 5 | $1.0M | $207K | 0.0% |
| Ameris Bank | 5 | $0.8M | $161K | 100.0% |
| Rocket Mortgage, LLC | 5 | $0.8M | $155K | 20.0% |
| First-Citizens Bank & Trust Company | 5 | $0.5M | $105K | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | $0.7M | $165K | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | $0.6M | $150K | 100.0% |
| The Citizens Bank | 3 | $0.7M | $242K | 66.7% |
| GUILD MORTGAGE COMPANY | 3 | $0.3M | $115K | 100.0% |
| ALLSOUTH FEDERAL CREDIT UNION | 3 | $0.2M | $68K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.4M | $210K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.3M | $155K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.3M | $155K | 0.0% |
| AMWEST FUNDING CORP. | 2 | $0.3M | $145K | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | $0.3M | $145K | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $0.3M | $130K | 0.0% |
| Dedicated Community Bank | 2 | $0.2M | $120K | 0.0% |
| First Community Bank | 2 | $0.2M | $115K | 100.0% |
| Loan Funder LLC | 2 | $0.2M | $110K | 100.0% |
| 21st Mortgage Corporation | 2 | $0.1M | $55K | 100.0% |
| USAA Federal Savings Bank | 1 | $0.3M | $345K | 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 Sumter County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Sumter County CSV, all 25 lenders
What Sumter County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sumter County's fix-and-flip and bridge lenders barely appear among its 52 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 Sumter County, South Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sumter 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 — Sumter County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 52 lenders and 134 loans: 2025 HMDA loan-level data rolled up to Sumter County.
- Sumter County investor-lender dataset (CSV) — All 25 lenders in the Sumter County, South Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sumter 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 Sumter, SC MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sumter 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.