2808 Loretto DrSumterSC29150
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 2808 Loretto Dr, Sumter, SC, 29150 in Sumter deserves attention. This $439,900 property earns $4,124/mo in rent, a 11.25% gross yield, and nets $1,506/mo after the $1,978/mo payment. DSCR 2.08 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $121,536 compounds alongside $4,052/yr in yearly equity build, for a total cumulative return of $263,240.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.8% |
| Monthly Cash Flow | $1,506 | $450 |
City averages based on Sumter market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,124 |
| Total Monthly Debt Service | $2,444 |
| DSCR Ratio | 1.69x |
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 1975
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29150, Sumter, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,606 (100%) |
| Owner Occupied HU | 9,627 (51.7%) |
| Renter Occupied HU | 6,845 (36.8%) |
| Vacant Housing Units | 2,134 (11.5%) |
| Median Home Value | $207,860 |
| Average Home Value | $222,165 |
Housing Distribution
Address Breakdown
Residential
18,128
Single Family
16,708
Multi-Family
1,420
Businesses
1,865
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 1975
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29150, Sumter, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,606 (100%) |
| Owner Occupied HU | 9,627 (51.7%) |
| Renter Occupied HU | 6,845 (36.8%) |
| Vacant Housing Units | 2,134 (11.5%) |
| Median Home Value | $207,860 |
| Average Home Value | $222,165 |
Housing Distribution
Address Breakdown
Residential
18,128
Single Family
16,708
Multi-Family
1,420
Businesses
1,865
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julie Chrisman • Century 21 Vanguard
Mls Name: Sumter BOR
Mls ID: #200410