820 Montclair PointAikenSC29803
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 820 Montclair Point, Aiken, SC, 29803 in Aiken speaks for itself: 10.69% gross on a $241,900 price, generating $2,154/mo in rent and $615/mo in net income after the $1,088/mo debt service. DSCR 1.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,383 stacks alongside $66,833 in projected five-year appreciation and $2,228/yr in principal reduction. Projected total cumulative return: $131,514.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 4.8% |
| Monthly Cash Flow | $615 | $385 |
City averages based on Aiken market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,154 |
| Total Monthly Debt Service | $1,442 |
| DSCR Ratio | 1.49x |
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.
Townhouse
Built in 2024
N/A lot
$N/A/sqft
$1,185 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29803, Aiken, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,169 (100%) |
| Owner Occupied HU | 15,226 (75.5%) |
| Renter Occupied HU | 3,539 (17.5%) |
| Vacant Housing Units | 1,404 ( 7.0%) |
| Median Home Value | $318,457 |
| Average Home Value | $356,519 |
Housing Distribution
Address Breakdown
Residential
19,802
Single Family
19,123
Multi-Family
679
Businesses
904
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
Townhouse
Built in 2024
N/A lot
$N/A/sqft
$1,185 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29803, Aiken, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,169 (100%) |
| Owner Occupied HU | 15,226 (75.5%) |
| Renter Occupied HU | 3,539 (17.5%) |
| Vacant Housing Units | 1,404 ( 7.0%) |
| Median Home Value | $318,457 |
| Average Home Value | $356,519 |
Housing Distribution
Address Breakdown
Residential
19,802
Single Family
19,123
Multi-Family
679
Businesses
904
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices