1142 Gum Shaw RdWhite OakNC28399
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1142 Gum Shaw Rd, White Oak, NC, 28399 in White Oak earns a 9.49% gross yield at $250,000. Rent of $1,976/mo nets $453/mo after the $1,124/mo mortgage. The 1.76 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $69,070 and $2,303/yr in equity accumulation project a total cumulative return of $123,817.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $453 | $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 | $1,976 |
| Total Monthly Debt Service | $1,424 |
| DSCR Ratio | 1.39x |
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 1999
3.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28399, White Oak, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 784 (100%) |
| Owner Occupied HU | 497 (63.4%) |
| Renter Occupied HU | 169 (21.6%) |
| Vacant Housing Units | 118 (15.1%) |
| Median Home Value | $256,424 |
| Average Home Value | $228,803 |
Housing Distribution
Address Breakdown
Residential
722
Single Family
722
Multi-Family
0
Businesses
38
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 1999
3.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28399, White Oak, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 784 (100%) |
| Owner Occupied HU | 497 (63.4%) |
| Renter Occupied HU | 169 (21.6%) |
| Vacant Housing Units | 118 (15.1%) |
| Median Home Value | $256,424 |
| Average Home Value | $228,803 |
Housing Distribution
Address Breakdown
Residential
722
Single Family
722
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: WENDY CARROLL • COLDWELL BANKER ADVANTAGE - YADKIN ROAD
Mls Name: LPRMLS
Mls Provider:
Mls ID: #742368
Disclaimer: 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. Information is deemed reliable but not guaranteed.