1388 Henry Oldham RdBear CreekNC27207
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1388 Henry Oldham Rd, Bear Creek, NC, 27207 in Bear Creek deserves attention. This $135,000 property earns $1,673/mo in rent, a 14.87% gross yield, and nets $850/mo after the $607/mo payment. DSCR 2.76 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $37,298 compounds alongside $1,243/yr in yearly equity build, for a total cumulative return of $105,854.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.9% | 6.2% |
| Monthly Cash Flow | $850 | $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 | $1,673 |
| Total Monthly Debt Service | $769 |
| DSCR Ratio | 2.18x |
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.
Lot
Built in N/A
4.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27207, Bear Creek, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,608 (100%) |
| Owner Occupied HU | 1,233 (76.7%) |
| Renter Occupied HU | 238 (14.8%) |
| Vacant Housing Units | 137 ( 8.5%) |
| Median Home Value | $225,311 |
| Average Home Value | $303,573 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
71
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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
Lot
Built in N/A
4.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27207, Bear Creek, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,608 (100%) |
| Owner Occupied HU | 1,233 (76.7%) |
| Renter Occupied HU | 238 (14.8%) |
| Vacant Housing Units | 137 ( 8.5%) |
| Median Home Value | $225,311 |
| Average Home Value | $303,573 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
71
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices