1202 Birchbark RdDurhamNC27705
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1202 Birchbark Rd, Durham, NC, 27705 in Durham the bet is firmly on appreciation. Rental yield 5.54%. The 5.54% gross yield on a $780,000 price is below income-first thresholds, but 5%/yr value growth projects $215,500 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.03) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $216,400.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(1,235) | $350 |
City averages based on Durham market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,600 |
| Total Monthly Debt Service | $4,524 |
| DSCR Ratio | 0.80x |
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 2018
0.27 Acres lot
$N/A/sqft
$485 semi-annually 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 2018
0.27 Acres lot
$N/A/sqft
$485 semi-annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anna Selig Murphy • Marie Austin Realty Co.
Mls Name: Doorify MLS
Mls Provider:
Mls ID: #10110489
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.