41 Tommy CirColumbiaSC29204
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 41 Tommy Cir, Columbia, SC, 29204 in Columbia is narrow, $171/mo net on $1,475/mo rent after the $985/mo debt service, but the property operates at break-even-plus, not a loss. At $219,000 with a 8.08% yield, the long-run equity case via 5% appreciation ($60,506 over five years) and $2,017/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $93,874.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.8% |
| Monthly Cash Flow | $171 | $850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,475 |
| Total Monthly Debt Service | $1,217 |
| DSCR Ratio | 1.21x |
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 1960
8,450 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29204, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,285 (100%) |
| Owner Occupied HU | 4,798 (51.7%) |
| Renter Occupied HU | 3,184 (34.3%) |
| Vacant Housing Units | 1,303 (14.0%) |
| Median Home Value | $238,178 |
| Average Home Value | $299,340 |
Housing Distribution
Address Breakdown
Residential
7,951
Single Family
6,943
Multi-Family
1,008
Businesses
885
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 1960
8,450 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29204, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,285 (100%) |
| Owner Occupied HU | 4,798 (51.7%) |
| Renter Occupied HU | 3,184 (34.3%) |
| Vacant Housing Units | 1,303 (14.0%) |
| Median Home Value | $238,178 |
| Average Home Value | $299,340 |
Housing Distribution
Address Breakdown
Residential
7,951
Single Family
6,943
Multi-Family
1,008
Businesses
885
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Consolidated MLS
Mls ID: #628498