Terms of use
By using this website you accept these terms. The short version: the site is educational, it is not an offer of credit or a commitment to lend, and it exists solely to arrange business-purpose financing for non-owner-occupied South Carolina investment property through wholesale lenders.
Informational purpose only
Content on this site — including market guides, comparisons, calculators and frequently asked questions — is general information for real estate investors. It is not legal, tax, insurance, accounting or investment advice, and it does not describe the guidelines of any particular lender. Wholesale lender programs change, and the terms available for a property are determined only when that property's file is underwritten. South Carolina specifics, from tax assessment to short-term rental zoning, must be confirmed with the county, the municipality and your own advisors.
No offer, approval or promise
Nothing here is a commitment to lend, a loan approval, a rate quote or a promise about timing, leverage or eligibility. We publish no interest rates and make no guarantee that any application will be approved. All loans are subject to underwriting and lender or investor approval, and terms are subject to change. Calculator output is planning arithmetic based on figures you enter; it is not a quote and it does not bind any lender or this brokerage.
Business-purpose, non-owner-occupied only
Programs discussed here are for business-purpose loans secured by non-owner-occupied investment property. They are not for personal, family or household use. If you intend to live in a property, do not use the application on this site; it is designed to decline personal-occupancy requests. Submitting false occupancy or income information in a loan application is a serious matter with legal consequences.
Broker disclosure and acceptable use
DSCR Loans South Carolina is a Loan Daddy LLC brand, NMLS 2827624. Loan Daddy LLC is a mortgage broker, not a lender; it arranges financing through wholesale lenders, which fund loans. You agree to use this site lawfully, to provide accurate information and not to interfere with its operation. Site content is protected by applicable intellectual-property law. South Carolina law governs these terms. Read the licensing page and privacy policy alongside these terms, and start any financing conversation through the application.