249 Gudger Hill RdCullowheeNC28723
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 249 Gudger Hill Rd, Cullowhee, NC, 28723 in Cullowhee at $549,000 earns $3,431/mo in rent and nets $85/mo after the $2,469/mo payment, a 7.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $151,679 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $5,056/yr in principal paydown, total projected return reaches $213,433.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $85 | $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 | $3,431 |
| Total Monthly Debt Service | $3,127 |
| DSCR Ratio | 1.10x |
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 1958
2.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28723, Cullowhee, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,918 (100%) |
| Owner Occupied HU | 1,822 (30.8%) |
| Renter Occupied HU | 2,173 (36.7%) |
| Vacant Housing Units | 1,923 (32.5%) |
| Median Home Value | $371,691 |
| Average Home Value | $541,180 |
Housing Distribution
Address Breakdown
Residential
4,394
Single Family
4,382
Multi-Family
12
Businesses
129
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 1958
2.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28723, Cullowhee, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,918 (100%) |
| Owner Occupied HU | 1,822 (30.8%) |
| Renter Occupied HU | 2,173 (36.7%) |
| Vacant Housing Units | 1,923 (32.5%) |
| Median Home Value | $371,691 |
| Average Home Value | $541,180 |
Housing Distribution
Address Breakdown
Residential
4,394
Single Family
4,382
Multi-Family
12
Businesses
129
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Canopy MLS as distributed by MLS GRID
Mls ID: #4352278