445 Oswego CtGreenvilleSC29607
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 445 Oswego Ct, Greenville, SC, 29607 in Greenville is capital appreciation. Rental yield 4.32%. The 4.32% gross yield at $639,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $176,544 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.80) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $144,959.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 4.2% |
| Monthly Cash Flow | $(1,503) | $385 |
City averages based on Greenville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,301 |
| Total Monthly Debt Service | $3,550 |
| DSCR Ratio | 0.65x |
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 2024
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29607, Greenville, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,875 (100%) |
| Owner Occupied HU | 10,843 (41.9%) |
| Renter Occupied HU | 12,647 (48.9%) |
| Vacant Housing Units | 2,385 ( 9.2%) |
| Median Home Value | $374,302 |
| Average Home Value | $461,847 |
Housing Distribution
Address Breakdown
Residential
24,585
Single Family
16,145
Multi-Family
8,440
Businesses
3,184
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 2024
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29607, Greenville, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,875 (100%) |
| Owner Occupied HU | 10,843 (41.9%) |
| Renter Occupied HU | 12,647 (48.9%) |
| Vacant Housing Units | 2,385 ( 9.2%) |
| Median Home Value | $374,302 |
| Average Home Value | $461,847 |
Housing Distribution
Address Breakdown
Residential
24,585
Single Family
16,145
Multi-Family
8,440
Businesses
3,184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Better Homes and Gardens Real Estate Palmetto
Mls Name: CTMLS
Mls Provider:
Mls ID: #25013570
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Copyright Charleston Trident Multiple Listing Service, Inc. All rights reserved. Information is deemed reliable but not guaranteed.