South Carolina Investors Love These DSCR Loans | Valor Lending Group

At Valor Lending Group, I help South Carolina investors grow their portfolios using flexible, competitive DSCR (Debt Service Coverage Ratio) Loans. Whether you’re building long-term wealth through rental properties or flipping homes for profit, DSCR loans are designed with your goals in mind – no tax returns or W-2s are required. These loans focus on the property’s income, not your income, allowing for faster approvals and fewer hurdles. South Carolina Investors Love These DSCR Loans because they make real estate investing simpler and more accessible.

With a DSCR loan, you can fund new rentals, access cash from existing properties, and build a strategy that fits your goals. From buy-and-holds to short-term rentals and cash-out refinances, I’ll connect you with the right solution so you can invest confidently and grow faster.

The life you deserve starts with DSCR.

Call me, Hayden Madison, directly at 858-349-7538, or email me at hmadison@valorlending.com

Why South Carolina Investors Love These DSCR Loans?

If you’re building a real estate portfolio in the Palmetto State, DSCR Investment Property Loans could be your key to faster, easier financing. These rental-focused loans are designed for investors who want to qualify based on property income and not personal income. That means no tax returns, W-2s, or pay stubs are required. Just smart lending based on real cash flow. South Carolina Investors Love These DSCR Loans because they’re fast, flexible, and built for growth.

How Does a DSCR Loan Work?

The Debt Service Coverage Ratio (DSCR) compares a property’s rental income to its monthly expenses (including principal, interest, taxes, and insurance).

Formula: DSCR = Rental Income ÷ PITI

Example:
Rental Income: $3,200/month

PITI: $2,756.79/month

DSCR = 3,200 ÷ 2,756.79 = 1.16

A DSCR above 1 means the property pays for itself and then some. In South Carolina, properties with strong DSCR ratios (1.25–1.50+) may qualify for better terms, giving investors more leverage and long-term returns.

At Valor Lending Group, I offer South Carolina investors access to some of the most competitive DSCR loan programs available. Whether you’re buying rentals, refinancing, or pulling out cash to reinvest, I’ll help you find the right solution for your strategy.

Let’s talk about how you can use a DSCR loan to fund your next opportunity.

Call me, Hayden Madison, today at 858-349-7538, and unlock your real estate potential!

Advantages of No-Tax-Return DSCR Loans

• No Tax Returns Required – Say goodbye to digging through old paperwork. This streamlined process skips the need for personal or business returns

• No Income or Employment Verification – Perfect for self-employed investors or those with non-traditional income

• No Debt-to-Income Ratio Rules – Qualification is based solely on the cash flow of the property

• Property Performance Focused – Your approval depends on the rental incomE, not your personal financials

• More Accessible – A great solution for investors who may not qualify for conventional loans

Potential Drawbacks to Consider

• Higher Down Payment – These loans often require more skin in the game than traditional options

• Slightly Higher Interest Rates – You’re trading paperwork for flexibility, which can come with marginally higher rates

• Experience Preferred – Some lenders favor applicants with prior landlord or investment property experience

• Credit Still Matters – While income isn’t reviewed, credit score still influences approval and loan terms

DSCR Loan Highlights for South Carolina Investors

• No Tax Returns or Employment Verification Required

• Cash Flow-Based Approval Using Rental Income or Market Rents

• Eligible Property Types: Single-family homes, condos, 2–4 units

• Loan Amounts Up to $6.5MM

• Unlimited Financed Properties Allowed

Whether you’re buying your first rental or scaling up across the Palmetto State, South Carolina Investors Love These DSCR Loans for how easy they make it to access funding without the usual paperwork.

Step into the life you deserve with DSCR.

Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com, and unlock the door to your dream life!

VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!

At Valor Lending Group, I’m ready to help you achieve your investment goals.

Call me directly at 858-349-7538, and turn your dreams into reality today!

Recently Funded | Valor Lending Group

$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV 
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA

And many more.

Every Project, Every Loan – Let’s Build Your Success Together!

Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com

Recap of Our Loan Products:

1. Private Money Loans (20% down / minimal documentation) Typically, funds in 7-10 days
2. Stated Income Loans (Great for business owners and self-employed) No tax returns!
3. 100% financing is available (we can cross-collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $2.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5MM
8. Raw Land & Lot Loans
9. Ground-up Construction for spec homes, custom homes, and commercial ground-up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 10% down Jumbo’s up to $1.5MM
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500MM
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We Also Offer:

1. 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1MM Value
7. Refinance including Cash Out

**Rates and terms are subject to change without notice