3630 Ranch Rd APT 5-8ColumbiaSC29206
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.75 makes 3630 Ranch Rd APT 5-8, Columbia, SC, 29206 in Columbia one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 9.44%. The 9.44% yield, 5% annual appreciation ($27,628 over five years), and $921/yr in principal reduction project a total cumulative return of $38,069.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 4.8% |
| Monthly Cash Flow | $(46) | $850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $787 |
| Total Monthly Debt Service | $757 |
| DSCR Ratio | 1.04x |
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.
Condo
Built in 1971
1,306 sqft lot
$N/A/sqft
$202 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29206, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,750 (100%) |
| Owner Occupied HU | 6,005 (61.6%) |
| Renter Occupied HU | 2,934 (30.1%) |
| Vacant Housing Units | 811 ( 8.3%) |
| Median Home Value | $366,544 |
| Average Home Value | $456,006 |
Housing Distribution
Address Breakdown
Residential
9,518
Single Family
8,079
Multi-Family
1,439
Businesses
554
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
Condo
Built in 1971
1,306 sqft lot
$N/A/sqft
$202 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29206, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,750 (100%) |
| Owner Occupied HU | 6,005 (61.6%) |
| Renter Occupied HU | 2,934 (30.1%) |
| Vacant Housing Units | 811 ( 8.3%) |
| Median Home Value | $366,544 |
| Average Home Value | $456,006 |
Housing Distribution
Address Breakdown
Residential
9,518
Single Family
8,079
Multi-Family
1,439
Businesses
554
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Staci Green • Olivia Cooley Real Estate
Mls Name: Consolidated MLS
Mls Provider:
Mls ID: #602077
Disclaimer: IDX listing data provided courtesy of Consolidated MLS - Columbia, SC