Anderson, SC 6-Property DSCR Portfolio Refinance

This Anderson SC 6-property DSCR portfolio case study highlights how a real estate investor refinanced a group of short-term and vacation rental assets with ICG10 Capital. The borrower owned a stabilized portfolio across several South Carolina markets and needed long-term financing that supported both property cash flow and continued portfolio growth.

For real estate investors with Airbnb and vacation rental properties, a DSCR portfolio loan can be an effective option when multiple income-producing assets are performing well and there is a need to improve loan structure, consolidate financing, or recapitalize for future acquisitions. In this case, the portfolio produced enough income to support a 1.30 DSCR while preserving positive annual cash flow.

Why This South Carolina Portfolio Refinance Worked

The borrower had a 6-property portfolio with income-producing rentals located in Anderson, Boiling Springs, Spartanburg, and Greenville. That gave ICG10 Capital a strong basis for a DSCR portfolio refinance. Instead of focusing primarily on personal income, the loan structure centered on the strength of the rental portfolio and its ability to support debt service through property cash flow.

What Is a Portfolio DSCR Loan for Airbnb and Vacation Rentals?

A portfolio DSCR loan is designed for investors financing multiple income-producing properties under one loan structure. DSCR stands for debt service coverage ratio, which measures how well rental income covers debt obligations. When a portfolio has stable performance, a DSCR loan may allow a borrower to qualify based more on property income and less on traditional personal income documentation.

Benefits of a DSCR Refinance for Short-Term Rental Portfolios

A DSCR refinance can help investors streamline financing across multiple properties while preserving liquidity and long-term control of their assets. For investors with Airbnb and vacation rentals, that can mean improved organization, more predictable debt structure, and the ability to continue scaling across multiple markets.

In this Anderson SC portfolio refinance example, the investor maintained a manageable monthly payment while keeping the portfolio positioned for long-term ownership and continued rental income generation. That combination of flexibility and cash flow is why many investors use DSCR loans for rental portfolios.

South Carolina Real Estate Investor Financing

ICG10 Capital provides financing solutions for real estate investors across the United States, including bridge loans, hard money loans, construction loans, DSCR rental loans, and portfolio rental loans. This Anderson SC 6-property refinance is one example of how investors can use private lending to recapitalize a portfolio and continue building long-term income-producing real estate.

If you own multiple rental properties and are exploring a portfolio loan, DSCR refinance, or long-term rental financing solution, ICG10 Capital can help review your scenario and discuss potential loan terms.