10121 Dillard RoadScaly MountainNC28775
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.05% gross rental yield, 10121 Dillard Road, Scaly Mountain, NC, 28775 in Scaly Mountain is priced for capital growth, not immediate cash flow. The $314,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $86,752 by year five, with $2,892/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.94) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $80,837.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(592) | $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 | $1,321 |
| Total Monthly Debt Service | $1,789 |
| DSCR Ratio | 0.74x |
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.
Single Family
Built in 1965
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28775, Scaly Mountain, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 651 (100%) |
| Owner Occupied HU | 236 (36.3%) |
| Renter Occupied HU | 57 ( 8.8%) |
| Vacant Housing Units | 358 (55.0%) |
| Median Home Value | $415,385 |
| Average Home Value | $461,472 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
31
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 1965
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28775, Scaly Mountain, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 651 (100%) |
| Owner Occupied HU | 236 (36.3%) |
| Renter Occupied HU | 57 ( 8.8%) |
| Vacant Housing Units | 358 (55.0%) |
| Median Home Value | $415,385 |
| Average Home Value | $461,472 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Parker • Highlands Sotheby's International Realty - DT
Mls Name: HCMLS
Mls ID: #104743
Disclaimer: Copyright Highlands-Cashiers Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.