About DSCR Loans South Carolina

DSCR Loans South Carolina is a Loan Daddy LLC brand, NMLS 2827624.

Broker, not lender

NMLS #2827624 (nmlsconsumeraccess.org)

AZ CMB Licensed · #CMB-2016143

Equal Housing Opportunity

Business-purpose loans for non-owner-occupied investment property only; not for personal, family or household use. Not a commitment to lend. All loans subject to underwriting and lender/investor approval; terms subject to change.

What we do

We arrange and shop financing from wholesale lenders for investors buying or refinancing South Carolina rental property. The work starts with arithmetic most sites skip: documenting rent, rebuilding the tax line at the non-owner-occupied assessment, quoting hazard, wind and flood insurance where the parcel actually sits, and reading the HOA or regime rules before a loan amount is discussed. Only then do we match the file to wholesale programs by property type, tenancy, entity structure and coverage. The lender that fits a Greenville fourplex is not automatically the lender that fits a Grand Strand condo, and pretending otherwise wastes everyone's appraisal money.

What we do not do

We are not a lender, and we do not fund loans from our own funds; wholesale lenders underwrite, approve and fund. We do not arrange owner-occupied, second-home or personal-use financing, and our application blocks personal occupancy by design. We do not publish rates or promise approvals, timelines or leverage, because pricing and decisions belong to the lender reviewing your actual file. We also do not give legal, tax or insurance advice; South Carolina attorneys, accountants and insurance agents answer those questions for your property, and our guides say so where it matters.

How we are paid

As a broker, Loan Daddy LLC is compensated in connection with loans it arranges, under the disclosures provided during the application process. The practical point for investors is structural: because we shop several wholesale lenders rather than selling one lender's shelf, our incentive is a file that closes at the lender whose guidelines genuinely fit your property. Ask us how compensation works on your specific loan and we will answer in the open, in writing, as the process requires.

Where we work

Our market coverage follows the state's three rental economies: the Upstate corridors, the Midlands payroll towns and a coast split between annual leases and lawful vacation rentals, plus the Charlotte corridor in York County. Start in the market hub, test a property on the calculator, read the FAQ, and when the conservative case still covers, send the scenario.