CalculatorSouth Carolina
DSCR calculator — South Carolina
Coastal and inland South Carolina markets differ on insurance and seasonal demand. Default rent inputs are drawn from HUD FMR data—enter expenses that match the property's actual risk profile and age. Same math as the national DSCR calculator; numbers are educational—not lender instructions.
Frequently asked questions
- What is DSCR for rental property?
- Debt Service Coverage Ratio (DSCR) is annual NOI divided by annual debt service. A DSCR above 1.0 means NOI covers debt payments before tax.
- Is 1.25 DSCR required by lenders?
- Many DSCR lenders target around 1.20 to 1.25, but requirements vary by product, market, and borrower profile. Always confirm current underwriting with your lender.
- Can I save DSCR calculator results?
- This calculator does not save your session. Use a free Veld account to save assumptions, compare scenarios, and track deal performance over time.
- How should I set DSCR assumptions for South Carolina rentals?
- Most lenders look for DSCR around 1.20 to 1.25, but program terms vary. In South Carolina, use realistic rent near about $1,200/month and include full operating costs (especially 0.44% effective property tax) before sizing leverage.
Real estate investing in South Carolina
Real estate investing in South Carolina
Flood zones and wind coverage can dominate total cost near the coast. Investors often separate PITI from true landlord operating expenses when comparing deals.
- Typical 2BR rent
- ~$1,200/mo
- Effective property tax
- ~0.44% of home value
- State income tax
- Up to 6%
- Lender DSCR minimum
- Typically 1.25 — confirm with your lender
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for South Carolina: BRRRR Calculator · STR vs LTR Calculator. All calculators · Investment property calculator