1027 Coldspring CirDurhamNC27705
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.72% gross rental yield, 1027 Coldspring Cir, Durham, NC, 27705 in Durham is priced for capital growth, not immediate cash flow. The $921,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $254,455 by year five, with $8,482/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.50) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $96,596.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.2% |
| Monthly Cash Flow | $(3,949) | $350 |
City averages based on Durham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,089 |
| Total Monthly Debt Service | $5,672 |
| DSCR Ratio | 0.37x |
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
5,662 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
5,662 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: #10100119
Disclaimer: The MLS listing information displayed is deemed reliable, but is not guaranteed accurate by the MLS. Copyright 2025 Doorify MLS of North Carolina. All rights reserved.