320 Valley Oak DrBeltonSC29627
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 320 Valley Oak Dr, Belton, SC, 29627 in Belton worth study. Rental yield 5.32%. The 5.32% gross yield is below cash-flow benchmarks at $399,500, but 5% annual appreciation, adding $110,374 over five years, frames this as a capital growth position. Rent of $1,770/mo partially offsets the $1,796/mo payment. Ziffy Mortgage finances appreciation-play properties (0.99 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $111,997.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.2% |
| Monthly Cash Flow | $(608) | $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 | $1,770 |
| Total Monthly Debt Service | $2,219 |
| DSCR Ratio | 0.80x |
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.
Single Family
Built in N/A
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29627, Belton, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,533 (100%) |
| Owner Occupied HU | 6,309 (73.9%) |
| Renter Occupied HU | 1,545 (18.1%) |
| Vacant Housing Units | 679 ( 8.0%) |
| Median Home Value | $231,151 |
| Average Home Value | $296,921 |
Housing Distribution
Address Breakdown
Residential
8,109
Single Family
8,045
Multi-Family
64
Businesses
356
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 N/A
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29627, Belton, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,533 (100%) |
| Owner Occupied HU | 6,309 (73.9%) |
| Renter Occupied HU | 1,545 (18.1%) |
| Vacant Housing Units | 679 ( 8.0%) |
| Median Home Value | $231,151 |
| Average Home Value | $296,921 |
Housing Distribution
Address Breakdown
Residential
8,109
Single Family
8,045
Multi-Family
64
Businesses
356
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anthony Martin • CHARLES H. KNIGHT, LLC
Mls Name: WUMLS
Mls ID: #20292203