305 South Avenue UNIT 33OrientalNC28571
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow305 South Avenue UNIT 33, Oriental, NC, 28571 in Oriental earns a respectable 13.02% gross yield at $139,000, but after the $625/mo mortgage the net cash flow is $32/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (2.41) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $38,403 over five years, making equity the dominant return driver. Total projected return: $57,416.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 6.2% |
| Monthly Cash Flow | $32 | $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 | $1,508 |
| Total Monthly Debt Service | $1,421 |
| DSCR Ratio | 1.06x |
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.
Condo
Built in 1986
N/A lot
$N/A/sqft
$7,552 annually HOA
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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
Condo
Built in 1986
N/A lot
$N/A/sqft
$7,552 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices