106 Cardinal LanePinehurstNC27376
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 106 Cardinal Lane, Pinehurst, NC, 27376 in Pinehurst is narrow, $152/mo net on $2,707/mo rent after the $1,799/mo debt service, but the property operates at break-even-plus, not a loss. At $400,000 with a 8.12% yield, the long-run equity case via 5% appreciation ($110,513 over five years) and $3,684/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $161,842.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $152 | $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 | $2,707 |
| Total Monthly Debt Service | $2,395 |
| DSCR Ratio | 1.13x |
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 1982
0.48 Acres lot
$N/A/sqft
$1,400 annually HOA
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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 1982
0.48 Acres lot
$N/A/sqft
$1,400 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amanda Bullock • Coldwell Banker Advantage-Southern Pines
Mls Name: Hive MLS
Mls Provider:
Mls ID: #100544739
Disclaimer: The data relating to real estate on this web site comes in part from the Internet Data Exchange program of Hive MLS, and is updated as of 2025-10-17 12:20:34 PDT. All information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor Zillow, Inc. shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. 2025-10-17 12:20:34 PDT Hive MLS