1082 Highway 35Saint StephenSC29479
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 1082 Highway 35, Saint Stephen, SC, 29479 in Saint Stephen. Rental yield 6.12%. The 1.13 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $110,374 and $3,679/yr in principal reduction project total return of $129,253.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.2% |
| Monthly Cash Flow | $(341) | $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 | $2,038 |
| Total Monthly Debt Service | $2,219 |
| DSCR Ratio | 0.92x |
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.
Manufactured
Built in 1998
3.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29479, Saint Stephen, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,228 (100%) |
| Owner Occupied HU | 2,330 (72.2%) |
| Renter Occupied HU | 543 (16.8%) |
| Vacant Housing Units | 355 (11.0%) |
| Median Home Value | $119,156 |
| Average Home Value | $194,034 |
Housing Distribution
Address Breakdown
Residential
2,515
Single Family
2,471
Multi-Family
44
Businesses
177
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
Manufactured
Built in 1998
3.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29479, Saint Stephen, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,228 (100%) |
| Owner Occupied HU | 2,330 (72.2%) |
| Renter Occupied HU | 543 (16.8%) |
| Vacant Housing Units | 355 (11.0%) |
| Median Home Value | $119,156 |
| Average Home Value | $194,034 |
Housing Distribution
Address Breakdown
Residential
2,515
Single Family
2,471
Multi-Family
44
Businesses
177
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices