5530 Carter CtRock HillSC29732
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing5530 Carter Ct, Rock Hill, SC, 29732 in Rock Hill is a stable, well-positioned rental at $445,000. Rental yield 6.65%. DSCR 1.23 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $122,945 in value and $4,098/yr in principal paydown builds equity, a total projected return of $156,614.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.5% |
| Monthly Cash Flow | $(182) | $450 |
City averages based on Rock Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,467 |
| Total Monthly Debt Service | $2,472 |
| DSCR Ratio | 1.00x |
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 1985
3.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29732, Rock Hill, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,675 (100%) |
| Owner Occupied HU | 19,075 (71.5%) |
| Renter Occupied HU | 6,536 (24.5%) |
| Vacant Housing Units | 1,064 ( 4.0%) |
| Median Home Value | $358,238 |
| Average Home Value | $388,103 |
Housing Distribution
Address Breakdown
Residential
25,094
Single Family
22,850
Multi-Family
2,244
Businesses
2,055
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 1985
3.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29732, Rock Hill, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,675 (100%) |
| Owner Occupied HU | 19,075 (71.5%) |
| Renter Occupied HU | 6,536 (24.5%) |
| Vacant Housing Units | 1,064 ( 4.0%) |
| Median Home Value | $358,238 |
| Average Home Value | $388,103 |
Housing Distribution
Address Breakdown
Residential
25,094
Single Family
22,850
Multi-Family
2,244
Businesses
2,055
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christy Chio • Homeland Realty Group LLC
Mls Name: Canopy MLS as distributed by MLS GRID
Mls ID: #4277770