13530 Four Oaks LnMatthewsNC28105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 13530 Four Oaks Ln, Matthews, NC, 28105 in Matthews. At $765,000 it earns $5,130/mo in rent and distributes $468/mo to the owner after the $3,440/mo payment, a consistent 8.05% yield. DSCR 1.49 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $211,355 in value; $7,046/yr in principal paydown compounds ownership stake. Total projected return: $319,846.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $468 | $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 | $5,130 |
| Total Monthly Debt Service | $4,358 |
| DSCR Ratio | 1.18x |
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 1972
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28105, Matthews, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,494 (100%) |
| Owner Occupied HU | 12,458 (63.9%) |
| Renter Occupied HU | 6,384 (32.7%) |
| Vacant Housing Units | 652 ( 3.3%) |
| Median Home Value | $457,147 |
| Average Home Value | $515,720 |
Housing Distribution
Address Breakdown
Residential
19,513
Single Family
15,532
Multi-Family
3,981
Businesses
1,554
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 1972
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28105, Matthews, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,494 (100%) |
| Owner Occupied HU | 12,458 (63.9%) |
| Renter Occupied HU | 6,384 (32.7%) |
| Vacant Housing Units | 652 ( 3.3%) |
| Median Home Value | $457,147 |
| Average Home Value | $515,720 |
Housing Distribution
Address Breakdown
Residential
19,513
Single Family
15,532
Multi-Family
3,981
Businesses
1,554
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Wynn • Coldwell Banker Realty
Mls Name: Canopy MLS as distributed by MLS GRID
Mls ID: #4326542