DSCR Loans in York 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, 101 lenders made 316 investment-property loans in York County, 3.5% of South Carolina's total. Dominick Prevete arranges DSCR loans across York 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 $345,000.
York County investor market at a glance
| Statistic | York County | South Carolina | County rank |
|---|---|---|---|
| Investor loans | 316 | 9,079 | 7th of 17 |
| Reporting lenders | 101 | 498 | 9th of 17 |
| Loan volume | $65.2M | $2.59B | 9th of 17 |
| Average loan | $206K | $286K | 11th of 17 |
| Median loan | $185K | $195K | 9th of 17 |
| Purchases | 54.1% | 64.8% | 16th of 17 |
| Cash-out refinances | 23.4% | 15.8% | 1st of 17 |
| 2–4 unit properties | 6.0% | 8.1% | 12th of 17 |
| Top five lenders' share | 37.3% | 16.9% | 2nd of 17 |
| Reported business-purpose | 71.8% | 68.4% | 6th of 17 |
York County: closed-end loans on 1–4 unit investment properties. York County's rank is highest first, among South Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of York County's investor loans.
What stands out in York County
23.4% of York County's investor loans were cash-out refinances, the 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.
54.1% of York County's investor loans were purchases, the 2nd-lowest share of South Carolina's 17 counties with published data (statewide: 64.8%).
Refinances are a larger share here than in most of South Carolina. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 37.3% of York County's investor loans, the 2nd-highest share of South Carolina's 17 counties with published data (statewide: 16.9%).
Five lenders write 37.3% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in York County?
At HUD's fair market rent of $2,179 for a 3-bedroom in York County, South Carolina, a rental covers its full DSCR payment up to a purchase price of about $345,000, with 20% down at the 7.25% starting rate (November 2026). York County's median home value is $361,300; at that price the payment is $2,267 a month, so the property would need $2,275 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) | $1,785 / $2,179 / $2,773 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $361,300 |
| Median property taxes and effective rate | $1,740 (0.48% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,267 |
| Rent needed to cover that payment | $2,275 |
| Coverage of a 3-bedroom at fair market rent | 0.96 |
| Highest price a 3-bedroom at fair market rent covers | about $345,000 |
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 York County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in York County?
The most active investment-property lenders in York County in 2025 HMDA data were Kiavi Funding, Inc.; Bank of York; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 101 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 York County, and matches each file to the one most likely to fund it.
York County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 316 loans and $65.2M from 101 lenders. Kiavi Funding, Inc. led York County with 42 loans, 13.3% of the county's total, and the average York County loan of $206K compares with $286K across South Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 42 | $9.5M | $227K | 73.8% |
| Bank of York | 25 | $3.4M | $136K | 40.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | $3.6M | $182K | 45.0% |
| Rocket Mortgage, LLC | 19 | $3.3M | $174K | 36.8% |
| LIMA ONE CAPITAL, LLC | 12 | $3.1M | $258K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 9 | $1.0M | $109K | 0.0% |
| Family Trust Federal Credit Union | 8 | $0.7M | $84K | 62.5% |
| CHAMPIONS FUNDING, LLC | 7 | $2.1M | $301K | 28.6% |
| First Federal Bank | 6 | $1.0M | $170K | 83.3% |
| SouthState Bank, National Association | 6 | $1.0M | $160K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $1.9M | $375K | 80.0% |
| Loan Funder LLC | 5 | $0.8M | $167K | 60.0% |
| Easy Street Capital, LLC | 5 | $0.7M | $147K | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | 5 | $0.4M | $83K | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | $1.3M | $313K | 0.0% |
| CONVENTUS LLC | 4 | $1.2M | $303K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.1M | $270K | 75.0% |
| Citadel Servicing Corporation | 4 | $0.9M | $233K | 25.0% |
| Wells Fargo Bank, National Association | 4 | $0.8M | $198K | 25.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $0.6M | $150K | 75.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | $0.3M | $85K | 100.0% |
| NEXERA HOLDING LLC | 3 | $0.9M | $302K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.8M | $282K | 33.3% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.8M | $258K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.7M | $232K | 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 York County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · York County CSV, all 25 lenders
What York County's table can't show you: fit. Short-term financing is exempt from HMDA, so York County's fix-and-flip and bridge lenders barely appear among its 101 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 York County, South Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a York 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 — York County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 101 lenders and 316 loans: 2025 HMDA loan-level data rolled up to York County.
- York County investor-lender dataset (CSV) — All 25 lenders in the York County, South Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — York 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 Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — York 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.