3105 Ora Smith Rd, Lincolnton, NC, 28092 | $237/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Lincolnton at 3105 Ora Smith Rd, Lincolnton, NC, 28092 uses $115,359 cash to close to unlock $2,849/yr annual cash flow and $237/mo monthly cash flow. Total monthly income runs $2,358/mo, and a $1,703/mo payment keeps the spread at $237/mo. Purchase price stands at $347,990, and rental yield measures 8.13% with $2,358/mo rent. Return on cash invested shows 22.38% in year one, and 5% annual appreciation builds toward $96,143 over five years. Five-year ROI reaches 115.98% and total cumulative return in cash records $133,795. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $2,358/mo property income covering a $1,703/mo payment rather than investor’s personal income.

Single Family

Built in 2025

0.11 Acres lot

$N/A/sqft

No HOA