10 Ensis RdHilton Head IslandSC29928
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play10 Ensis Rd, Hilton Head Island, SC, 29928 in Hilton Head Island is priced for appreciation, not yield. Rental yield 3.58%. At $1,615,000 with a 3.58% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $446,195 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.69) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $313,436.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.2% |
| Monthly Cash Flow | $(4,977) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,994 |
| Total Monthly Debt Service | $8,971 |
| DSCR Ratio | 0.56x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1984
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29928, Hilton Head Island, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,750 (100%) |
| Owner Occupied HU | 7,186 (38.3%) |
| Renter Occupied HU | 1,395 ( 7.4%) |
| Vacant Housing Units | 10,169 (54.2%) |
| Median Home Value | $839,869 |
| Average Home Value | $990,544 |
Housing Distribution
Address Breakdown
Residential
12,551
Single Family
10,427
Multi-Family
2,124
Businesses
896
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1984
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29928, Hilton Head Island, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,750 (100%) |
| Owner Occupied HU | 7,186 (38.3%) |
| Renter Occupied HU | 1,395 ( 7.4%) |
| Vacant Housing Units | 10,169 (54.2%) |
| Median Home Value | $839,869 |
| Average Home Value | $990,544 |
Housing Distribution
Address Breakdown
Residential
12,551
Single Family
10,427
Multi-Family
2,124
Businesses
896
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela Barbic • Charter One Realty (063D)
Mls Name: REsides, Inc.
Mls Provider:
Mls ID: #453059
Disclaimer: We do not attempt to independently verify the currency, completeness, accuracy or authenticity of the data contained herein. It may be subject to transcription and transmission errors. Accordingly, the data is provided on an as is as available basis only and may not reflect all real estate activity in the market. 2025 REsides, Inc. All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, REsides, Inc.