602 Murphy Bay DrCrossSC29436
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 602 Murphy Bay Dr, Cross, SC, 29436 in Cross is narrow, $133/mo net on $1,436/mo rent after the $985/mo debt service, but the property operates at break-even-plus, not a loss. At $219,000 with a 7.87% 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 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $91,354.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $133 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,436 |
| Total Monthly Debt Service | $1,217 |
| DSCR Ratio | 1.18x |
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.
Manufactured
Built in 2010
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29436, Cross, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,397 (100%) |
| Owner Occupied HU | 1,620 (67.6%) |
| Renter Occupied HU | 304 (12.7%) |
| Vacant Housing Units | 473 (19.7%) |
| Median Home Value | $157,917 |
| Average Home Value | $225,832 |
Housing Distribution
Address Breakdown
Residential
1,951
Single Family
1,951
Multi-Family
0
Businesses
67
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
Manufactured
Built in 2010
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29436, Cross, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,397 (100%) |
| Owner Occupied HU | 1,620 (67.6%) |
| Renter Occupied HU | 304 (12.7%) |
| Vacant Housing Units | 473 (19.7%) |
| Median Home Value | $157,917 |
| Average Home Value | $225,832 |
Housing Distribution
Address Breakdown
Residential
1,951
Single Family
1,951
Multi-Family
0
Businesses
67
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Jeff Cook Real Estate LPT Realty
Mls Name: CTMLS
Mls ID: #25030997