527 Charlotte AveRock HillSC29730
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 527 Charlotte Ave, Rock Hill, SC, 29730 in Rock Hill. Rental yield 3.77%. At $540,000 with 3.77% gross yield, current distributions are modest, but the 5% appreciation rate projects $149,192 in new equity by year five, complemented by $4,973/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.70) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $106,390.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.5% |
| Monthly Cash Flow | $(1,520) | $450 |
City averages based on Rock Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,694 |
| Total Monthly Debt Service | $3,000 |
| DSCR Ratio | 0.56x |
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.
Multi Family
Built in 1950
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29730, Rock Hill, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,777 (100%) |
| Owner Occupied HU | 15,536 (58.0%) |
| Renter Occupied HU | 9,205 (34.4%) |
| Vacant Housing Units | 2,036 ( 7.6%) |
| Median Home Value | $308,047 |
| Average Home Value | $338,248 |
Housing Distribution
Address Breakdown
Residential
25,370
Single Family
22,944
Multi-Family
2,426
Businesses
1,808
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
Multi Family
Built in 1950
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29730, Rock Hill, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,777 (100%) |
| Owner Occupied HU | 15,536 (58.0%) |
| Renter Occupied HU | 9,205 (34.4%) |
| Vacant Housing Units | 2,036 ( 7.6%) |
| Median Home Value | $308,047 |
| Average Home Value | $338,248 |
Housing Distribution
Address Breakdown
Residential
25,370
Single Family
22,944
Multi-Family
2,426
Businesses
1,808
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Don Gomez • C-A-RE Realty
Mls Name: Canopy MLS as distributed by MLS GRID
Mls Provider:
Mls ID: #4239158