281 Osprey Pointe LnProsperitySC29127
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.21% yield at 281 Osprey Pointe Ln, Prosperity, SC, 29127 in Prosperity is solid, but the $2,872/mo payment compresses net cash flow to $7/mo at $638,775. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $176,482 by year five, and $5,883/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.34) without U.S. income documentation. Total projected return: $242,169.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $7 | $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 | $3,840 |
| Total Monthly Debt Service | $3,578 |
| DSCR Ratio | 1.07x |
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
1.03 Acres lot
$N/A/sqft
$360 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29127, Prosperity, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,528 (100%) |
| Owner Occupied HU | 3,774 (68.3%) |
| Renter Occupied HU | 496 ( 9.0%) |
| Vacant Housing Units | 1,258 (22.8%) |
| Median Home Value | $292,951 |
| Average Home Value | $377,778 |
Housing Distribution
Address Breakdown
Residential
4,741
Single Family
4,707
Multi-Family
34
Businesses
213
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
1.03 Acres lot
$N/A/sqft
$360 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29127, Prosperity, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,528 (100%) |
| Owner Occupied HU | 3,774 (68.3%) |
| Renter Occupied HU | 496 ( 9.0%) |
| Vacant Housing Units | 1,258 (22.8%) |
| Median Home Value | $292,951 |
| Average Home Value | $377,778 |
Housing Distribution
Address Breakdown
Residential
4,741
Single Family
4,707
Multi-Family
34
Businesses
213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Darlene R Anderson • Experienced Real Est Group LLC
Mls Name: Consolidated MLS
Mls Provider:
Mls ID: #608374
Disclaimer: IDX listing data provided courtesy of Consolidated MLS - Columbia, SC