108 Swain StClaytonNC27527
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing108 Swain St, Clayton, NC, 27527 in Clayton is a stable, well-positioned rental at $469,900. Rental yield 6.11%. DSCR 1.13 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $129,825 in value and $4,328/yr in principal paydown builds equity, a total projected return of $134,707.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.0% |
| Monthly Cash Flow | $(688) | $850 |
City averages based on Clayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,393 |
| Total Monthly Debt Service | $2,894 |
| DSCR Ratio | 0.83x |
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 2023
5,227 sqft lot
$N/A/sqft
$650 quarterly 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
Single Family
Built in 2023
5,227 sqft lot
$N/A/sqft
$650 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Huller • Fonville Morisey & Barefoot
Mls Name: Doorify MLS
Mls Provider:
Mls ID: #10140138
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.