2155 Citation StSumterSC29153
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Sumter rental at 2155 Citation St, Sumter, SC, 29153 sits in the solid-income band: 8.24% gross yield, $1,800/mo rent, $209/mo net after the $1,179/mo debt service, DSCR 1.53. Entry price of $262,290 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $72,466 and $2,416/yr in principal reduction bring total cumulative return to $112,805.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.8% |
| Monthly Cash Flow | $209 | $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 | $1,487 |
| DSCR Ratio | 1.21x |
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
7,405 sqft lot
$N/A/sqft
$360 annually 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
7,405 sqft lot
$N/A/sqft
$360 annually 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: Mckenzie Brockett • RE/MAX Summit LLC
Mls Name: Consolidated MLS
Mls Provider:
Mls ID: #604689
Disclaimer: IDX listing data provided courtesy of Consolidated MLS - Columbia, SC