1011 Coldspring CirDurhamNC27705
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1011 Coldspring Cir, Durham, NC, 27705 in Durham fits: $980,000, 4.75% gross yield, and a projected 5% annual appreciation rate adding $270,756 in value within five years. Rental yield 4.75%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.88) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,026/yr in principal paydown and $270,756 in appreciation project a total return of $210,746.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(2,522) | $350 |
City averages based on Durham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,876 |
| Total Monthly Debt Service | $6,008 |
| DSCR Ratio | 0.65x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2025
4,791 sqft lot
$N/A/sqft
$425 monthly HOA
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 2025
4,791 sqft lot
$N/A/sqft
$425 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ali Winslow • Homes by Dickerson Real Estate
Mls Name: Doorify MLS
Mls Provider:
Mls ID: #10100100
Disclaimer: The MLS listing information displayed is deemed reliable, but is not guaranteed accurate by the MLS. Copyright 2026 Doorify MLS of North Carolina. All rights reserved.