808 Oak StColumbiaSC29205
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 808 Oak St, Columbia, SC, 29205 in Columbia at $126,500, 2.79% gross yield, is a market-growth asset. Rental yield 2.79%. The $1,513/mo rent partially funds the $569/mo debt service; the core return is the 5%/yr price growth projected to add $34,950 over five years. Ziffy Mortgage's DSCR mortgage (2.66) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $96,775.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 4.8% |
| Monthly Cash Flow | $(2,356) | $850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,513 |
| Total Monthly Debt Service | $703 |
| DSCR Ratio | 2.15x |
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.
Single Family
Built in 1940
6,847 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29205, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,610 (100%) |
| Owner Occupied HU | 6,798 (49.9%) |
| Renter Occupied HU | 5,092 (37.4%) |
| Vacant Housing Units | 1,720 (12.6%) |
| Median Home Value | $346,573 |
| Average Home Value | $420,577 |
Housing Distribution
Address Breakdown
Residential
12,188
Single Family
10,741
Multi-Family
1,447
Businesses
780
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 1940
6,847 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29205, Columbia, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,610 (100%) |
| Owner Occupied HU | 6,798 (49.9%) |
| Renter Occupied HU | 5,092 (37.4%) |
| Vacant Housing Units | 1,720 (12.6%) |
| Median Home Value | $346,573 |
| Average Home Value | $420,577 |
Housing Distribution
Address Breakdown
Residential
12,188
Single Family
10,741
Multi-Family
1,447
Businesses
780
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices