643 E Main StHarleyvilleSC29448
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 643 E Main St, Harleyville, SC, 29448 in Harleyville at $317,500 earns $1,994/mo in rent and nets $104/mo after the $1,428/mo payment, a 7.54% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $87,719 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $2,924/yr in principal paydown, total projected return reaches $126,735.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $104 | $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 | $1,994 |
| Total Monthly Debt Service | $1,764 |
| DSCR Ratio | 1.13x |
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 1998
1.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29448, Harleyville, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,070 (100%) |
| Owner Occupied HU | 799 (74.7%) |
| Renter Occupied HU | 159 (14.9%) |
| Vacant Housing Units | 112 (10.5%) |
| Median Home Value | $269,715 |
| Average Home Value | $317,409 |
Housing Distribution
Address Breakdown
Residential
1,056
Single Family
1,056
Multi-Family
0
Businesses
86
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 1998
1.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29448, Harleyville, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,070 (100%) |
| Owner Occupied HU | 799 (74.7%) |
| Renter Occupied HU | 159 (14.9%) |
| Vacant Housing Units | 112 (10.5%) |
| Median Home Value | $269,715 |
| Average Home Value | $317,409 |
Housing Distribution
Address Breakdown
Residential
1,056
Single Family
1,056
Multi-Family
0
Businesses
86
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Realty ONE Group Coastal
Mls Name: CTMLS
Mls ID: #25027688