4092 Half Mast LoopColumbiaSC29229
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Columbia rentals match the income profile of 4092 Half Mast Loop, Columbia, SC, 29229. Listed at $297,900, gross rent is $2,578/mo and net cash flow is $772/mo, a 10.38% yield well above national averages. DSCR 1.92 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $82,304 by year five with $2,744/yr in annual principal reduction, projecting $164,411 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 4.8% |
| Monthly Cash Flow | $772 | $850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,578 |
| Total Monthly Debt Service | $1,655 |
| DSCR Ratio | 1.56x |
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
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29229, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,849 (100%) |
| Owner Occupied HU | 16,516 (75.6%) |
| Renter Occupied HU | 4,178 (19.1%) |
| Vacant Housing Units | 1,155 ( 5.3%) |
| Median Home Value | $264,697 |
| Average Home Value | $299,180 |
Housing Distribution
Address Breakdown
Residential
21,627
Single Family
19,314
Multi-Family
2,313
Businesses
1,141
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
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29229, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,849 (100%) |
| Owner Occupied HU | 16,516 (75.6%) |
| Renter Occupied HU | 4,178 (19.1%) |
| Vacant Housing Units | 1,155 ( 5.3%) |
| Median Home Value | $264,697 |
| Average Home Value | $299,180 |
Housing Distribution
Address Breakdown
Residential
21,627
Single Family
19,314
Multi-Family
2,313
Businesses
1,141
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mary Phillips • Veranda Homes LLC
Mls Name: Consolidated MLS
Mls ID: #622773