LendingOne for South Carolina investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
South Carolina context
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state.
How LendingOne positions in South Carolina
South Carolina is well covered by national DSCR lenders, with LendingOne as one option. Where LendingOne differentiates: established track record. Where it competes: rates 9 to 12 percent against peer programs.
City-level coverage in South Carolina
LendingOne provides DSCR coverage across South Carolina metros including Charleston, Columbia, and Greenville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne program terms apply uniformly across South Carolina metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| South Carolina property tax | 0.6% |
| South Carolina state income tax | 6.5% |
LendingOne strengths in South Carolina
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including South Carolina. LendingOne is based in Boca Raton, FL and operates nationally.
Charleston is the top investor market in South Carolina and falls within LendingOne national coverage. Charleston property tax follows the South Carolina state rate of 0.6 percent. LendingOne typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Columbia ranks among the larger South Carolina investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Columbia matters for property selection.
LendingOne applies the same rate sheet across South Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Columbia, and Greenville all qualify for the same LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in South Carolina.
South Carolina allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
For South Carolina DSCR borrowers, LendingOne is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.