DSCR Airbnb / Short-Term Rental Loans in Myrtle Beach SC 2026

Beach STR + condo financing using AirDNA, Horry County / city zoning notes, and the strongest Grand Strand sub-markets (North Myrtle Beach, Surfside Beach, Garden City).

This guide walks through how the DSCR airbnb / short-term rental program applies specifically in Myrtle Beach, SC — qualifying math, the condo-financing wrinkle, sub-market specifics, and how to get a quote in 30 seconds.

The Myrtle Beach Airbnb / Short-Term Rental DSCR Profile

Myrtle Beach is one of the largest drive-to beach STR markets on the East Coast, with a lower entry price than most coastal markets and a deep base of vacation-rental demand along the Grand Strand. The mechanics mirror the universal Airbnb / Short-Term Rental DSCR program: we underwrite the property's projected STR income against the new payment, not your W-2.

Two Local Wrinkles: Zoning and Condo Type

Two Myrtle-Beach-specific items are worth checking before you write an offer:

Zoning overlay — short-term rentals are broadly part of the economy here, but the City of Myrtle Beach restricts STRs to certain zoning/overlay districts, and rules differ in North Myrtle Beach, Surfside Beach, and unincorporated Horry County. Confirm the parcel allows STR use.
Condo vs. condotel — much of the inventory is condo and oceanfront resort-style product. A standard warrantable condo finances like any DSCR; a condotel (resort/hotel-style with a rental program) is a different underwrite — see our condotel DSCR program. Knowing which one you're buying up front avoids a late-stage surprise.

2026 Program Snapshot — Myrtle Beach STR

What to Expect

Rate range: Standard DSCR pricing applies (6.50–7.75% on strong files; condotels priced separately)
Max LTV: Per the topic-specific program — see universal Airbnb / Short-Term Rental program
Min FICO: 620 floor; 720+ for best pricing
Income basis: AirDNA annual projected revenue at a 70–80% haircut to gross
SC state-level overlays: Landlord-friendly, no rent control; standard foreclosure. See South Carolina state DSCR guide
Close time: 21–30 days standard

Why Grand Strand Investors Choose DSCR Capital Partners

Wholesale lender access — we route your Myrtle Beach file across 8–12 wholesale DSCR programs, including lenders that handle condo and condotel product cleanly.
Beach + condo underwriting experience — we close STR DSCR files across the Grand Strand and know how lenders treat AirDNA and condo warrantability here.
Direct loan officer access — single point of contact from intake to funding. No call-center handoffs.
21–30 day close standard, faster on clean files.

Frequently Asked Questions

Can I qualify for a Myrtle Beach Airbnb DSCR loan without personal income documents? +

Yes. The program underwrites the property's projected STR income against the new payment, not your W-2. Income is based on AirDNA annual projected revenue at a 70–80% haircut to gross, with a 620 FICO floor and the best pricing at 720+.

Where are short-term rentals allowed in Myrtle Beach? +

Short-term rentals are broadly part of the economy here, but the City of Myrtle Beach restricts STRs to certain zoning/overlay districts, and the rules differ in North Myrtle Beach, Surfside Beach, and unincorporated Horry County. Confirm the specific parcel allows STR use before you write an offer.

What is the difference between financing a condo and a condotel in Myrtle Beach? +

A standard warrantable condo finances like any DSCR loan. A condotel — resort/hotel-style product with a rental program — is a different underwrite and is priced separately. Much of the Grand Strand inventory is condo and oceanfront resort-style product, so knowing which one you're buying up front avoids a late-stage surprise.

What DSCR rates and terms should I expect in Myrtle Beach in 2026? +

Standard DSCR pricing applies — roughly 6.50–7.75% on strong files, with condotels priced separately. The minimum FICO is 620, best pricing starts at 720+, and closings run 21–30 days standard. Files are routed across 8–12 wholesale DSCR programs, including lenders that handle condo and condotel product cleanly.

Which Grand Strand sub-markets are strongest for short-term rentals? +

The strongest Grand Strand sub-markets are North Myrtle Beach, Surfside Beach, and Garden City. Myrtle Beach is one of the largest drive-to beach STR markets on the East Coast, with a lower entry price than most coastal markets and a deep base of vacation-rental demand.

Does South Carolina add any state-level restrictions for STR investors? +

South Carolina is landlord-friendly at the state level, with no rent control and a standard foreclosure process. The items to verify are local: City of Myrtle Beach and Horry County zoning rules, which change frequently.

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Related Resources

DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548). Informational only; not a loan commitment. Short-term-rental regulations change frequently — verify current City of Myrtle Beach / Horry County zoning rules before purchase. Equal Housing Lender.

DSCR Airbnb / Short-Term Rental Loans in Myrtle Beach, SC