1890 Gallery DrSumterSC29153
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1890 Gallery Dr, Sumter, SC, 29153 in Sumter is narrow, $199/mo net on $1,800/mo rent after the $1,209/mo debt service, but the property operates at break-even-plus, not a loss. At $268,950 with a 8.03% yield, the long-run equity case via 5% appreciation ($74,306 over five years) and $2,477/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $114,572.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.8% |
| Monthly Cash Flow | $199 | $450 |
City averages based on Sumter market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $1,494 |
| DSCR Ratio | 1.20x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 2025
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29153, Sumter, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,840 (100%) |
| Owner Occupied HU | 4,558 (66.6%) |
| Renter Occupied HU | 1,622 (23.7%) |
| Vacant Housing Units | 660 ( 9.6%) |
| Median Home Value | $184,715 |
| Average Home Value | $212,384 |
Housing Distribution
Address Breakdown
Residential
6,907
Single Family
6,785
Multi-Family
122
Businesses
301
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 2025
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29153, Sumter, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,840 (100%) |
| Owner Occupied HU | 4,558 (66.6%) |
| Renter Occupied HU | 1,622 (23.7%) |
| Vacant Housing Units | 660 ( 9.6%) |
| Median Home Value | $184,715 |
| Average Home Value | $212,384 |
Housing Distribution
Address Breakdown
Residential
6,907
Single Family
6,785
Multi-Family
122
Businesses
301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Walker • Advantage Realty Group, INC
Mls Name: Sumter BOR
Mls Provider:
Mls ID: #168787
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