1540 Church St SUITE BCharlotteNC28203
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1540 Church St SUITE B, Charlotte, NC, 28203 in Charlotte at $725,000 earns $4,478/mo in rent and nets $60/mo after the $3,260/mo payment, a 7.41% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $200,304 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $6,677/yr in principal paydown, total projected return reaches $278,439.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.5% |
| Monthly Cash Flow | $60 | $420 |
City averages based on Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,478 |
| Total Monthly Debt Service | $4,130 |
| DSCR Ratio | 1.08x |
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.
Townhouse
Built in 2008
1.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28203, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,849 (100%) |
| Owner Occupied HU | 3,366 (20.0%) |
| Renter Occupied HU | 10,649 (63.2%) |
| Vacant Housing Units | 2,834 (16.8%) |
| Median Home Value | $804,390 |
| Average Home Value | $879,402 |
Housing Distribution
Address Breakdown
Residential
11,563
Single Family
4,189
Multi-Family
7,374
Businesses
1,656
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
Townhouse
Built in 2008
1.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28203, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,849 (100%) |
| Owner Occupied HU | 3,366 (20.0%) |
| Renter Occupied HU | 10,649 (63.2%) |
| Vacant Housing Units | 2,834 (16.8%) |
| Median Home Value | $804,390 |
| Average Home Value | $879,402 |
Housing Distribution
Address Breakdown
Residential
11,563
Single Family
4,189
Multi-Family
7,374
Businesses
1,656
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A