Visio Lending for South Carolina investors
Visio Lending is one of the original DSCR specialists, with particular strength in short-term rental underwriting. Minimum DSCR of 1.00 is firm (no below-1.0 program). Uses AirDNA data for STR underwriting.
South Carolina context
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state.
How Visio Lending positions in South Carolina
Within South Carolina, Visio Lending competes alongside other DSCR lenders. Visio Lending strengths: DSCR specialist, STR-friendly underwriting. The high aggregate DSCR economics of South Carolina create demand for Visio Lending programs in Charleston and Columbia particularly.
City-level coverage in South Carolina
Visio Lending 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. Visio Lending 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 | rental DSCR, STR DSCR |
| Loan size | $75K - $2.0M |
| Rates | 6.75%-9.5% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 30-year amortization |
| Typical close time | 21-30 days typical |
| South Carolina property tax | 0.6% |
| South Carolina state income tax | 6.5% |
Visio Lending strengths in South Carolina
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including South Carolina. Visio Lending is based in Austin, TX and operates nationally.
Charleston is the top investor market in South Carolina and falls within Visio Lending national coverage. Charleston property tax follows the South Carolina state rate of 0.6 percent. Visio Lending 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 Visio Lending. Submarket variation within Columbia matters for property selection.
Visio Lending 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 Visio Lending program.
Visio Lending indicative DSCR rate range is 6.75 to 9.5 percent with 1 to 3 points.
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in South Carolina.
South Carolina allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
South Carolina investors considering Visio Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Visio Lending.