Insha Plan, Heritage BaySumterSC29150
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate Insha Plan, Heritage Bay, Sumter, SC, 29150 in Sumter. At $309,900 it earns $2,347/mo in rent and distributes $502/mo to the owner after the $1,394/mo payment, a consistent 9.09% yield. DSCR 1.68 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $85,620 in value; $2,854/yr in principal paydown compounds ownership stake. Total projected return: $149,523.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.8% |
| Monthly Cash Flow | $502 | $450 |
City averages based on Sumter market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,347 |
| Total Monthly Debt Service | $1,721 |
| DSCR Ratio | 1.36x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29150, Sumter, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,606 (100%) |
| Owner Occupied HU | 9,627 (51.7%) |
| Renter Occupied HU | 6,845 (36.8%) |
| Vacant Housing Units | 2,134 (11.5%) |
| Median Home Value | $207,860 |
| Average Home Value | $222,165 |
Housing Distribution
Address Breakdown
Residential
18,128
Single Family
16,708
Multi-Family
1,420
Businesses
1,865
Nearby investment properties with comparable rents
- 4 Bed
- 2 Bath
- 1698 sft
- 3 Bed
- 2 Bath
- 1587 sft
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 29150, Sumter, SC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,606 (100%) |
| Owner Occupied HU | 9,627 (51.7%) |
| Renter Occupied HU | 6,845 (36.8%) |
| Vacant Housing Units | 2,134 (11.5%) |
| Median Home Value | $207,860 |
| Average Home Value | $222,165 |
Housing Distribution
Address Breakdown
Residential
18,128
Single Family
16,708
Multi-Family
1,420
Businesses
1,865
Nearby investment properties with comparable rents
- 4 Bed
- 2 Bath
- 1698 sft
- 3 Bed
- 2 Bath
- 1587 sft
Nearby investment properties with comparable prices
Listed by: Susan Reardon Thompson • Veranda Homes
Mls Name: Veranda Homes
Mls ID: #N/A