Simply Approved Mortgages
Portfolio Rental Loans · South Carolina

South Carolina Portfolio Rental Loans (2026)

Consolidate 5+ South Carolina rentals into a single blanket DSCR mortgage — one note, one payment, one servicer. Up to 80% blended LTV, per-property release, no personal DTI.
Updated
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Quick answer

Can I get a portfolio loan in South Carolina?

Yes — Simply Approved Mortgages arranges portfolio financing on non-owner-occupied investment property throughout South Carolina, including Charleston, Greenville, Columbia. Finance multiple investment properties with one loan. Figures on this page are estimates for business-purpose financing only and remain subject to a complete application, credit and property review, and full underwriting.

Portfolio rental lending
Last updated

Simply Approved funds business-purpose portfolio blanket loans across South Carolina — 5 doors and up, one 30-year note, aggregate DSCR underwriting, and a per-property release provision so you can sell into the market without unwinding the whole facility.

TL;DR — Portfolio Rental Loans in South Carolina
  • • Minimum doors: 5
  • • Loan size: $400,000–$5,000,000
  • • Max blended LTV: 80% purchase · 75% cash-out
  • • Aggregate DSCR: 1.10x+ target (sub-1.0x avail.)
  • • Reserves: 6 months PITIA (portfolio)
  • • Release provision: Yes (105–115% allocated)
  • • Vesting: LLC, LP, S/C-Corp, Series LLC
  • • Typical close: 30–45 business days
Live pricing · South Carolina

Live DSCR pricing on a single South Carolina rental property

These are actual pricing responses returned for a sample business-purpose DSCR scenario on non-owner-occupied investment property in South Carolina - rate, APR, borrower points or lender credit, estimated principal and interest, and lock period from the same quote. Pricing changes intraday and is not a loan approval, commitment, or guarantee of financing.

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The three cards above are featured examples from the current snapshot. Enter your own property, credit tier, leverage and rent to see every eligible option for your deal.

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Rate & Pricing Disclosure: This quote is an indication for the scenario entered and the pricing available at the time shown. Rates and terms are subject to change without notice and may change or may not be available at commitment or closing. This is not a rate lock, loan approval, commitment to lend or offer of credit. APR reflects applicable borrower-paid finance charges and pricing credits for this quote and may be the APR returned with the quote or our own audited calculation where verified borrower-paid finance charges outside the quoted price apply. Additional lender and third-party costs may apply and may not be included in the APR. Payment shown is principal and interest only and excludes taxes, insurance, HOA dues and other applicable costs, so your actual payment will be higher. Simply Approved Mortgages LLC is a mortgage broker, not the funding lender. Business-purpose, non-owner-occupied investment property only. Equal Housing Opportunity.

APR reflects applicable borrower-paid finance charges and pricing credits for this quote. Depending on the option, the APR shown is either the APR returned with that quote or our own audited calculation, used where verified borrower-paid finance charges outside the quoted price apply. Other lender and third-party costs may apply and may not be included in the APR.

Estimated payment is principal and interest only and does not include property taxes, insurance, HOA dues, flood insurance, escrows or other applicable costs.

Price your own DSCR scenarioSee today's investor rate bands
South Carolina · Landlord-friendly

Blanket portfolio lending across South Carolina

Charleston combines premium STR demand (with tightening ordinances) and rapid appreciation; Greenville is a top mid-sized job-growth market. With South Carolina's ~5.2M residents and a median home value near $236,700, portfolio consolidations let South Carolina investors trade 8–20 scattered maturities for one 30-year fixed note — while keeping the flexibility to sell individual doors under the release provision.

Median home value
$236,700
Avg SFR rent
$1,700
Max blended LTV
80% / 75%
Min doors
5

Live from U.S. Census ACS ACS 5-Year 2023.

How our South Carolina portfolio program works

Portfolio Rental Loans wrap 5 or more investment properties into a single blanket DSCR mortgage. Consolidate scattered maturities, unlock trapped equity, and scale your rental portfolio without the paperwork drag of one loan per door. In South Carolina, aggregate DSCR — not per-property DSCR and not personal DTI — sizes the loan. We collect payoffs on every existing lien, net them at closing, and the balance funds as cash-out or seasoning reserves.

Top portfolio markets in South Carolina

  • Charleston — active blanket-loan inventory across SFR and 2–4 unit stock, tracking South Carolina's median value near $236,700.
  • Greenville — active blanket-loan inventory across SFR and 2–4 unit stock, tracking South Carolina's median value near $236,700.
  • Columbia — active blanket-loan inventory across SFR and 2–4 unit stock, tracking South Carolina's median value near $236,700.

Pros for South Carolina portfolio borrowers

  • ✓ One loan, one payment, one servicer for the whole portfolio.
  • ✓ Portfolio-weighted DSCR means strong doors carry weaker ones.
  • ✓ Cross-collateralized cash-out unlocks aggregate equity.
  • ✓ Discounted pricing vs. per-door DSCR.
  • ✓ Release provisions let you sell individual properties.

Watch-outs

  • • Aggregate loan floor of $400K — very small portfolios still pencil better one door at a time.
  • • Bulk appraisal process takes 15–25 days.
  • • Selling requires paying the release formula (110–125% of allocated loan).
  • • Default on one property can trigger the whole pool.
  • • Prepayment on longer terms often uses defeasance or yield maintenance — plan the exit up front.

Documents to close a South Carolina blanket

  • Government-issued photo ID for every guarantor
  • Entity docs — Articles, Operating Agreement, EIN, Good Standing for every entity owning any property in the pool
  • Complete rent roll (property, unit, tenant, lease start/end, monthly rent, security deposit)
  • T-12 operating statement (income + expense per property, rolled up)
  • Current insurance schedule for every property (declaration pages)
  • Property tax bills and HOA statements per property
  • Existing debt schedule with payoff statements
  • Titles / deeds / vesting docs per property

Licensing & regulatory notes for South Carolina

Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in South Carolina.

Business-purpose portfolio blanket loans in South Carolina are exempt from consumer mortgage disclosure requirements (RESPA/TILA/TRID) because they finance income-producing investment property, not a primary residence. All borrowers attest to the business purpose at closing.

Price a South Carolina blanket

Submit a complete application with rent roll, schedule of REO, current lien payoffs, entity docs, and insurance schedule — initial aggregate DSCR, LTV, and cash-out estimate usually within one business day. Formal pricing follows underwriting.

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Loan guidelines

Portfolio guidelines applied in South Carolina

Underwriting boxes we work inside for South Carolina blanket portfolios. Ranges are typical program guidelines and vary by aggregate DSCR, credit, and per-property mix — not a commitment to lend.

Loan guidelines
Portfolio · South Carolina program at a glance
Minimum doors
5
Below 5 units, single-property DSCR is cheaper and simpler.
Loan amount
$400,000 – $5,000,000
Sized to aggregate value and program caps.
Max LTV (purchase)
Up to 80% blended
Loan ÷ aggregate purchase or appraised value.
Max LTV (cash-out refi)
Up to 75% blended
Loan ÷ aggregate as-is value.
Aggregate DSCR
1.10x+ target
Sub-1.0x available on select rate/LTV overlays or IO.
Reserves
6 months PITIA (portfolio)
Aggregate PITIA verified at underwriting.
Vesting
LLC, LP, S/C-Corp, Series LLC
One entity or common holding structure across the pool.
Credit floor
680 (720+ best pricing)
Applies to the primary guarantor.
Release provision
Yes · 105–115% allocated
Sell an individual door without unwinding the blanket.
Prepayment
Step-down 3-5-3-2-1 typical
Longer step-downs unlock lower rates.
Every South Carolina portfolio file is stress-tested against a 10% vacancy shock and a 25 bps rate reset before commitment.
Free with your application

Get your Portfolio Rental Scenario Summary

Send us your rent roll — we return a blanket portfolio underwriting: aggregate DSCR, blended LTV, cash-out proceeds, and a per-property qualification breakdown.

  • Aggregate portfolio DSCR
  • Blended LTV and max loan
  • Cash-out proceeds estimate
  • Per-property qualification breakdown
Get Your Personalized Rate QuoteTakes ~3 minutes • PDF delivered on the thank-you page and emailed

Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.

Portfolio fit tools

Portfolio DSCR calculator: aggregate DSCR, blended LTV, cash-out

Model a blanket loan across 5+ investment properties. Enter your rent roll totals — we compute aggregate DSCR, blended LTV, cash-out proceeds after paying off existing liens, and per-door loan basis.

Rent roll & assets

Section 8 rent check — HUD Fair Market Rent

Pull the current HUD FMR by ZIP or county and compare it to your market rent.

Open-market rent check — Census ACS median rent

Pull the published median market rent for a state or investor city and compare it to the HUD Section 8 payment standard.

Loan structure

Blanket portfolio loans come with a release provision — sell individual properties inside the note without unwinding the whole facility. Typical release premium: 105–115% of allocated loan amount.

Results

Aggregate DSCR
1.12x

Fits program — expect standard pricing tier, 3–6 months reserves.

Portfolio loan
$1,800,000

75% × aggregate value.

Cash-out at close
$700,000

Loan − existing liens.

Aggregate PITIA
$15,545

P&I + taxes/ins/HOA.

Effective rent
$17,480

Rent × (1 − vacancy).

Per-door loan basis
$225,000

Loan ÷ doors.

Equity remaining
$600,000

25.0% of aggregate value.

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Illustrative only. Not a quote, lock, or commitment to lend. Final LTV, rate, points, term, release premium, and reserves are set in underwriting based on aggregate DSCR, per-property performance, credit, and program overlays in effect at lock.

Free with your application

Get your Portfolio Rental Scenario Summary

Send us your rent roll — we return a blanket portfolio underwriting: aggregate DSCR, blended LTV, cash-out proceeds, and a per-property qualification breakdown.

  • Aggregate portfolio DSCR
  • Blended LTV and max loan
  • Cash-out proceeds estimate
  • Per-property qualification breakdown
Get Your Personalized Rate QuoteTakes ~3 minutes • PDF delivered on the thank-you page and emailed

Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.

Consolidation playbook

Rolling scattered rentals into a single blanket in South Carolina

Five-step process from rent roll to funded blanket loan. Most portfolio consolidations close in 30–45 business days.

  1. Step 1
    Rent roll & schedule of REO

    Send addresses, current rents, in-place mortgages, taxes, insurance, and HOA. We aggregate to test DSCR.

  2. Step 2
    Aggregate valuation

    Broker BPO or full appraisals across the portfolio depending on size. Sets blended LTV cap.

  3. Step 3
    Payoff coordination

    We collect payoffs on every existing lien and net them at closing — no loan-by-loan refi paperwork.

  4. Step 4
    Single note, single payment

    One loan, one monthly payment, one servicing relationship. Individual property releases available at 105–115% of allocated amount.

  5. Step 5
    Cash-out at close

    Aggregate loan minus payoffs = tax-deferred cash-out to fund the next acquisition or reserves.

When a blanket is the right call

Six portfolio scenarios we fund in South Carolina

Blanket loans aren't for every investor. These are the plays where a single blanket beats 8 individual DSCR loans on cost, complexity, or leverage.

Scaling from 10 to 20+ doors
Trigger

You've hit the 10-financed-property Fannie cap or maxed personal DTI

Why blanket wins

Blanket DSCR is uncapped on door count and ignores personal DTI — vested in your LLC.

Simplify scattered maturities
Trigger

8 loans with 8 different maturity dates and 8 different servicers

Why blanket wins

One 30-year fixed note. One payment. One tax form. No more balloon calendar.

Cash-out to seed next deal
Trigger

Equity trapped across a stabilized portfolio; new deal under contract

Why blanket wins

Blended 75% LTV cash-out at close — treat the portfolio like a line of credit.

BRRRR portfolio consolidation
Trigger

5+ BRRRR properties seasoning on short-term bridge or DSCR notes

Why blanket wins

Roll all into one long-term blanket at stabilization — reused appraisals when same-lender.

Small multifamily bundle (5–10 unit)
Trigger

Three 6-plexes owned in separate LLCs

Why blanket wins

One blanket loan across all three, closed in a common holding entity or QOF.

Prep for institutional exit
Trigger

Building toward a fund/REIT sale in 24–36 months

Why blanket wins

Consolidation cleans up the balance sheet buyers want — single loan, single servicing history.

Timeline

From rent roll to funded blanket in South Carolina

Portfolio consolidations run 30–45 business days end-to-end. Same-lender BRRRR rollups can go faster with reused appraisals.

  1. Day 1
    Rent roll review

    Aggregate DSCR test. Same-day term indication on complete files.

  2. Day 2–5
    Application & entity

    One entity for the blanket. Consolidate title vesting if needed.

  3. Day 5–18
    BPOs / appraisals

    BPOs on smaller portfolios; full appraisals on 5+ unit multi.

  4. Day 18–30
    Payoff coordination

    Collect payoffs on every lien. Title runs across all properties.

  5. Day 30–40
    Underwrite & clear

    One credit package, one insurance schedule, one lender's-title policy.

  6. Day 30–45
    Fund & close

    Single wire nets all payoffs. One monthly payment starts next cycle.

Exit strategies

Four ways to exit a portfolio blanket in South Carolina

A blanket doesn't lock you in. Individual property releases, refis, and portfolio sales all remain on the table.

Individual property release

Sell one property inside the blanket — pay off the allocated loan amount plus a release premium (typically 105–115%) and the rest of the portfolio keeps running under the same note.

Full refi to agency multi

For 5+ unit small-multi portfolios, refi into Fannie Small Balance or Freddie SBL at a lower fixed rate once seasoned and stabilized.

Cash-out refi at reset

5, 7, or 10 years in, refi the whole blanket into a new blanket at then-current LTV to pull additional equity for growth.

Portfolio sale to fund/REIT

Institutional buyers underwrite the consolidated loan history — a single blanket with 24+ months of clean pay history is easier to buy than a scattered stack.

Compare financing

Portfolio blanket vs. single DSCR vs. conventional vs. agency in South Carolina

Same portfolio, four capital paths. Door count, personal DTI, and whether individual releases matter drive which fits.

FeaturePortfolio blanketSingle-property DSCRConventional invest.Agency multi
Cap on financed propertiesNoneNone (per file)10 total (Fannie)None (5+ unit)
Personal income docsNoneNoneFull W2 + tax returnsNone (cash flow only)
Underwriting basisAggregate DSCRPer-property DSCRPersonal DTINOI / DSCR
Number of loans11 per door1 per door (max 10)1 per building
Release provisionYes (per property)N/AN/AYes (5+ unit)
PrepaymentStep-down 3-5-3-2-1 typicalStep-down or yield maint.NoneYield maintenance / defeasance
Best for5+ door SFR/small-multiBuilding doors one at a timeOwner-occ + up to 10 rentalsStabilized 5+ unit only
Glossary

Portfolio blanket terms in South Carolina

Vocabulary your underwriter, servicer, and title company will use on a blanket file.

Aggregate DSCR

Total effective rent across every property in the blanket divided by total PITIA. This is the number underwriting sizes the loan against — not per-property DSCR.

Allocated loan amount

The portion of the blanket loan assigned to each individual property. Drives the payoff required to release that property from the collateral pool.

Blanket loan

A single mortgage note secured by two or more properties. Simplifies servicing and enables cross-collateralization.

Cross-collateralization

The lender's ability to pursue any property in the pool if the borrower defaults. Trade-off for the single-note simplicity of a blanket.

Release provision

Contractual right to sell an individual property inside the blanket by paying off its allocated amount plus a premium (typically 105–115%). Portfolio keeps running.

Schedule of real estate owned (REO)

Investor's list of every rental property owned, with address, value, rent, mortgage, and taxes. Portfolio DSCR underwriting starts here.

Blended LTV

Portfolio loan divided by aggregate as-is value. Blanket programs typically cap at 75% blended for cash-out, 80% for purchase.

Recourse vs non-recourse

Most blanket DSCR loans are non-recourse to the guarantor (bad-boy carve-outs only). Personal assets are shielded outside of fraud/waste.

Ready to consolidate your rental portfolio?

Send your rent roll and schedule of REO — we test blended DSCR and return an initial scenario review, usually the same day.

Get Your Personalized Rate Quote
Monthly market update

Portfolio · South Carolina rate & market update

Compiled from Freddie Mac PMMS, U.S. Treasury, and BLS releases. Figures are published with the period they cover and the date they were retrieved.

Price & supply data

South Carolina home price index and building permits

Two federal datasets investors use to read a market: the FHFA all-transactions House Price Index for repeat-sale appreciation, and the Census Building Permits Survey for how much new supply is being authorized. Each figure is shown with the period it covers.

What the data shows in South Carolina

The FHFA all-transactions index for South Carolina is up 3.8% over the last four quarters (Q2 2026). Permitted private housing units over the trailing twelve months are 1.3% higher than the prior twelve, at 46,439 units through August 2026. Both series are historical measures of the market, not a forecast, a valuation of any specific property, or an indication of loan terms.

  • House price index is a repeat-sale measure across all transactions, so it reflects the same properties trading over time rather than a change in the mix of what sold.
  • Permits authorize construction; not every permitted unit is built, and delivery typically lags authorization by several quarters.
  • Statewide readings can differ sharply from a single submarket. Underwrite the property and its rent comps, not the state average.

Historical data, not a projection. Past appreciation and permit volume do not predict future values, rents, or returns, are not a valuation of any property, and are not an offer of credit or an indication of loan terms.

Sources: FHFA House Price Index · Census Building Permits Survey · Series delivery via FRED
Local market news & updates

What the latest published data says about South Carolina

Every update below is a published figure from a named federal source, shown with the exact period that source covers. Where a dataset is only produced at county or state level, it is labelled that way rather than presented as city data. These are market statistics for informational purposes only — they are not rates, loan terms, or an offer of credit.

  • State dataData through ACS estimates, ACS 5-Year 2023

    South Carolina housing costs — ACS estimates, ACS 5-Year 2023

    The most recent published Census reading for South Carolina shows a median owner-occupied home value of $236,700, a median gross rent of $1,126 per month. These are survey estimates for the period shown, not live listing prices, and they are the starting point investors use to sanity-check a rent assumption before underwriting a DSCR file.

    Source: U.S. Census Bureau, American Community Survey

  • State dataData through ACS estimates, ACS 5-Year 2023

    South Carolina renter demand indicators — ACS estimates, ACS 5-Year 2023

    Census reports a population of 5,212,774, a median household income of $66,818, a rental vacancy estimate of 13.8% for South Carolina. Income and vacancy set the practical ceiling on achievable rent, which is what a DSCR calculation is ultimately built on.

    Source: U.S. Census Bureau, American Community Survey

  • State dataData through Declarations 1960–present

    South Carolina federal disaster declarations since 1960

    FEMA records 35 federal disaster declarations covering South Carolina since 1960, most recently on 2026-04-07 (Winter Storm). Declaration history is published history, not a forecast or a flood determination, and insurance cost is an operating expense that moves DSCR.

    Source: FEMA OpenFEMA disaster declarations

  • State dataData through Q2 2026

    South Carolina house price index — Q2 2026

    The FHFA all-transactions house price index for South Carolina covers Q2 2026, +3.8% against the same quarter a year earlier. The index measures repeat sales of existing homes and is published quarterly with a lag.

    Source: FHFA House Price Index (via FRED)

Source periods represented above: ACS estimates, ACS 5-Year 2023 · Declarations 1960–present · Q2 2026. Each figure updates only when its publisher releases a new period — we never restamp an older reading with a newer date.

Informational market data only. Nothing in this section is a rate, an annual percentage rate, a payment, a loan term, an approval, or an offer or commitment to lend. Citing a federal dataset does not imply the agency endorses, sponsors or is affiliated with Simply Approved Mortgages LLC (NMLS #2620881). Financing referenced on this page is business-purpose investment property financing.

County data

Loan limits, permits and disaster history in South Carolina

Three published federal datasets that shape how an investor sizes and insures a deal: FHFA conforming loan limits by county, the Census Building Permits Survey at the county level, and FEMA's record of federal disaster declarations.

Conforming loan limits — 2026

$832,750

One-unit limit across South Carolina counties. No county in this state carries a high-cost designation.

Conforming limits govern loans sold to Fannie Mae and Freddie Mac. DSCR and other business-purpose investor loans are not agency loans and are not bound by these limits — the figures are shown as market context for sizing a deal.

County building permits

County-level permit data is published for metro counties only. Select a city page for county detail. Statewide permit volume is shown in the price and supply section.

Federal disaster declarations

35
declarations since 1960
  • Hurricane14
  • Fire6
  • Severe Storm3
  • Tropical Storm3

Most recent: severe winter storm (2026).

Declaration history is not a flood-zone determination for any property, an insurance quote, or a prediction. Confirm the flood zone and elevation for the specific address and price insurance with a licensed carrier.

FEMA flood zone by address

Check how FEMA currently maps a specific property in South Carolina. Flood zone drives whether a lender will require flood insurance, which changes your carrying cost and DSCR.

Source: FEMA National Flood Hazard Layer, read live from the currently published map. This is general information only — it is not a flood zone determination, an elevation certificate, an insurance quote, or a loan condition. Confirm the official map at FEMA's Flood Map Service Center and with a licensed insurance professional.

Sources: FHFA conforming loan limits · Census Building Permits Survey · FEMA disaster declarations
Free with your application

Get your Portfolio Rental Scenario Summary for your South Carolina property.

Send us your rent roll — we return a blanket portfolio underwriting: aggregate DSCR, blended LTV, cash-out proceeds, and a per-property qualification breakdown.

  • Aggregate portfolio DSCR
  • Blended LTV and max loan
  • Cash-out proceeds estimate
  • Per-property qualification breakdown
Get Your Personalized Rate QuoteTakes ~3 minutes • PDF delivered on the thank-you page and emailed

Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.

Also serving South Carolina investors

DSCR Loans in South Carolina

Fewer than 5 doors, or want to keep each property on its own note? Single-property DSCR is simpler and cheaper up to the ~10-door threshold.

South Carolina DSCR guide

Consolidating BRRRR rentals in South Carolina?

Bridge Loans in South Carolina

Stabilize each door on a bridge, then roll all of them into one blanket at maturity — same-lender rollups reuse appraisals.

South Carolina bridge guide
South Carolina portfolio markets

Top South Carolina cities for portfolio investors

Portfolio loans in CharlestonPortfolio loans in Columbia
Data transparency

Sources & methodology — South Carolina

Page reviewed: August 31, 2026
HUD User — Fair Market Rents

Section 8 / Housing Choice Voucher payment-standard context and ZIP-level small-area FMR lookups.

Update cadence:
Annually, on the federal fiscal year (plus mid-year revisions)
Freshness shown:
Live badge driven by HUD's published dataset edit date — turns stale rather than silently ageing
If unavailable:
Falls back to HUD's public ArcGIS dataset (still HUD data). If both fail the panel renders an explicit unavailable state; no substituted numbers.
HUD User — Income Limits

Area median income and income-limit context for voucher and affordability pages.

Update cadence:
Annually
Freshness shown:
Shows the HUD income-limit year on the panel
If unavailable:
Explicit unavailable state; no estimated income limits are generated.
HUD — Picture of Subsidized Households / QCT / DDA

Qualified Census Tract and Difficult Development Area context for investor targeting.

Update cadence:
Annual designations; the subsidized-household snapshot is a dated vintage
Freshness shown:
The dataset vintage is labelled on the panel rather than implied to be current
If unavailable:
Explicit unavailable state.
FRED — Federal Reserve Bank of St. Louis

Macro rate context only: 10-year Treasury and the published 30-year fixed benchmark. Never used as an investor loan quote.

Update cadence:
Daily / weekly depending on series
Freshness shown:
Each reading shows its observation date; the market-update module flags readings older than 45 days as delayed
If unavailable:
Market-update module renders 'Market data feed temporarily unavailable' — the freshness badge never advances when the source did not refresh.
U.S. Bureau of Labor Statistics

State and metro employment / unemployment context on investor market pages.

Update cadence:
Monthly
Freshness shown:
Reading period shown alongside the figure
If unavailable:
Runs key-less at lower rate limits; on failure the metric is omitted rather than estimated.
U.S. Census Bureau — American Community Survey

Population, household, renter-share, median value and median gross rent context by state and place.

Update cadence:
Annual 5-year estimates
Freshness shown:
ACS vintage year displayed with the figures
If unavailable:
Optional key; runs key-less at lower rate limits. Individual metrics are omitted on failure — never back-filled.
RentCast

Automated property value and long-term rent estimates for address lookups.

Update cadence:
Continuous
Freshness shown:
Each estimate carries its retrieval timestamp and an AVM disclaimer
If unavailable:
If the key is absent the lookup returns an explicit 'not configured' message; no placeholder valuation is shown.
Short-term rental revenue model (in-house)

Illustrative STR gross revenue bands where a licensed STR data feed is not returning data.

Update cadence:
N/A — derived from the underlying rent benchmark
Freshness shown:
Labelled as a model estimate, not observed STR performance
If unavailable:
Always labelled 'illustrative model estimate' with a prompt to verify against a dedicated STR data provider before underwriting.
Investor pricing engine

Live business-purpose DSCR pricing responses (rate, points or credit, estimated payment, lock period).

Update cadence:
Intraday
Freshness shown:
Every quote carries the timestamp it was returned; the badge downgrades once the quote is no longer current
If unavailable:
Serves the last snapshot only while it is still inside the usable age window; otherwise renders an explicit unavailable state. No sample or illustrative rate is ever displayed as live pricing.
Investment-property equity pricing dataset

First and second lien non-owner-occupied equity pricing grid.

Update cadence:
Per wholesale pricing release
Freshness shown:
The active version's effective date is rendered dynamically on every pricing card
If unavailable:
If no active version exists the tool refuses to price rather than guessing.
FHFA House Price Index

Repeat-sale home price appreciation by state (1-quarter, 1-year and 5-year change) on state investor pages.

Update cadence:
Quarterly, with revisions
Freshness shown:
Each reading shows the quarter it covers; readings older than ~200 days are labelled a delayed refresh
If unavailable:
Panel renders an explicit unavailable state — no interpolated or estimated appreciation figure is shown.
U.S. Census Bureau — Building Permits Survey

New private housing units authorized by state: trailing-12-month volume and the year-over-year change.

Update cadence:
Monthly
Freshness shown:
Trailing window is labelled with its final month; stale readings are flagged rather than aged silently
If unavailable:
Metric is omitted and the panel says so; permit counts are never estimated.
We never display a placeholder, sample or cached-but-expired figure as if it were current. When a source is unavailable the affected panel says so. All figures are provided for informational purposes only, are not an offer or commitment to lend, and are subject to change without notice. Rental income projections are estimates and do not guarantee performance.
FAQ

Portfolio rental loans in South Carolina — questions, answered

Do you fund portfolio rental loans in South Carolina?

Yes. We wrap 5+ investment properties across South Carolina into a single blanket DSCR mortgage — one note, one payment, one servicer, closed in your LLC or corporate entity.

How many doors do I need for a South Carolina blanket loan?

Minimum 5 doors. Program sweet spot is 8–30 doors of SFR, 2–4 unit, or small multifamily. Larger portfolios (50+ doors) route to agency multi programs.

What credit score do I need for a South Carolina portfolio loan?

680 minimum for the primary guarantor. 720+ unlocks best pricing. Co-guarantors can strengthen the file, and the loan is generally non-recourse with standard bad-boy carve-outs.

Do you require personal tax returns for a South Carolina blanket?

No. South Carolina portfolio DSCR loans are underwritten to aggregate rent minus PITIA — not to personal DTI or W2 income. You never send tax returns or pay stubs.

What's the max LTV on a South Carolina portfolio loan?

Up to 80% blended LTV on purchase and 75% on cash-out refi, applied against aggregate as-is value across the South Carolina portfolio.

Can I include properties in different South Carolina counties on one blanket?

Yes — the blanket doesn't care about county lines within South Carolina. Multi-state portfolios also work when title and insurance are clean across all locations.

Can I sell one property without paying off the whole South Carolina blanket?

Yes. Every South Carolina blanket includes a release provision. Pay off the allocated loan amount plus a release premium (typically 105–115%) and the property releases from the collateral pool. The rest of the loan keeps running.

What reserves does a South Carolina portfolio blanket require?

Typically 3–6 months of aggregate PITIA, verified from a business bank statement at underwriting. Larger or lease-up-heavy portfolios may require more.

How is aggregate DSCR calculated for South Carolina portfolios?

Total effective monthly rent across every property in the blanket (rent minus vacancy) divided by total PITIA. We target 1.10x+ aggregate; sub-1.0x is available with LTV overlay or IO structure.

How long does a South Carolina portfolio consolidation take to close?

Most South Carolina portfolio consolidations close in 30–45 business days. Same-lender BRRRR rollups with reused appraisals can move faster.

Are South Carolina portfolio blanket loans business-purpose only?

Yes. Every South Carolina blanket we originate is business-purpose non-owner-occupied investment debt closed in an LLC, LP, or corporate entity — exempt from consumer disclosure requirements.

Can I add new properties to an existing South Carolina blanket later?

Not typically. Blankets are closed pools. To add new South Carolina doors, we refinance into a larger blanket at reset, or fund the new acquisition on a separate DSCR loan and consolidate at maturity.

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What Can Change the Outcome

Blanket loans qualify on aggregate coverage across the pool, so a strong property can carry a weaker one. The trade-off shows up later: release provisions determine whether you can ever sell one door without unwinding the whole loan.

Negotiate release pricing, minimum property count, value floors, and prepayment structure at the term-sheet stage. Those clauses, not the rate, are what constrain a portfolio five years in.

Cross-collateralization also means a title, vesting, or insurance problem on one address delays the entire pool. Reconciling the rent roll, entity vesting, and lien positions up front is the fastest path to closing.

Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.

Investor pre-approval

Get your personalized investor loan quote

Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.

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You can change this any time.

Tell us about your scenario

The form below is tailored to DSCR rental loan — only the questions your program needs.

1
Your info
2
Your deal
Your deal — the basics

Purchase or refinance a rental. The property's rent qualifies the loan.

What's your goal?
Purchase price ($)$450,000
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Down payment (%)20%
%
Monthly rent ($)$2,800
$
HUD Fair Market Rent for your ZIP — ballpark only. Get a precise market rent after you submit.
Estimated credit rating

A soft self-estimate — no credit pull happens here.

This is a pre-qualification request — not a loan application under TILA/RESPA and not a loan approval, rate lock, offer, or commitment to lend. It does not trigger a Loan Estimate. If your loan requires one, the Loan Estimate is issued inside our loan origination system after you submit a complete application and your loan officer has reviewed your scenario.

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Your answers save as you go. A licensed loan officer typically follows up the same business day · Simply Approved Mortgages LLC, NMLS #2620881.

Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

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  • Required for a formal investor pre-approval decision
  • Soft-touch process — your loan officer will guide you through it
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Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

  • See all 3 bureau reports & scores before your lender does
  • Ongoing monitoring alerts you to new accounts or score changes
  • Fix errors early — cleaner credit can widen your investor loan options
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Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.

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