2881 Pea Ridge RoadRoperNC27970
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 2881 Pea Ridge Road, Roper, NC, 27970 in Roper is a conservative rental investment at $320,000. Rental yield 6.11%. A 1.13 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $88,410; $2,947/yr in principal paydown supplements. Total projected return: $100,580.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.2% |
| Monthly Cash Flow | $(321) | $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 | $1,630 |
| Total Monthly Debt Service | $1,823 |
| DSCR Ratio | 0.89x |
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 1961
27.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27970, Roper, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,708 (100%) |
| Owner Occupied HU | 1,020 (59.7%) |
| Renter Occupied HU | 294 (17.2%) |
| Vacant Housing Units | 394 (23.1%) |
| Median Home Value | $181,034 |
| Average Home Value | $324,083 |
Housing Distribution
Address Breakdown
Residential
1,170
Single Family
1,170
Multi-Family
0
Businesses
54
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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
Single Family
Built in 1961
27.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27970, Roper, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,708 (100%) |
| Owner Occupied HU | 1,020 (59.7%) |
| Renter Occupied HU | 294 (17.2%) |
| Vacant Housing Units | 394 (23.1%) |
| Median Home Value | $181,034 |
| Average Home Value | $324,083 |
Housing Distribution
Address Breakdown
Residential
1,170
Single Family
1,170
Multi-Family
0
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices