4 Granary CtColumbiaSC29203
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4 Granary Ct, Columbia, SC, 29203 in Columbia is narrow, $188/mo net on $4,775/mo rent after the $3,440/mo debt service, but the property operates at break-even-plus, not a loss. At $765,000 with a 7.49% yield, the long-run equity case via 5% appreciation ($211,355 over five years) and $7,046/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $303,526.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 4.8% |
| Monthly Cash Flow | $188 | $850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,775 |
| Total Monthly Debt Service | $4,250 |
| DSCR Ratio | 1.12x |
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 2005
1.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29203, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,188 (100%) |
| Owner Occupied HU | 9,182 (47.9%) |
| Renter Occupied HU | 7,860 (41.0%) |
| Vacant Housing Units | 2,146 (11.2%) |
| Median Home Value | $190,357 |
| Average Home Value | $287,559 |
Housing Distribution
Address Breakdown
Residential
16,935
Single Family
15,872
Multi-Family
1,063
Businesses
1,170
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 2005
1.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29203, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,188 (100%) |
| Owner Occupied HU | 9,182 (47.9%) |
| Renter Occupied HU | 7,860 (41.0%) |
| Vacant Housing Units | 2,146 (11.2%) |
| Median Home Value | $190,357 |
| Average Home Value | $287,559 |
Housing Distribution
Address Breakdown
Residential
16,935
Single Family
15,872
Multi-Family
1,063
Businesses
1,170
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Consolidated MLS
Mls ID: #630339