314 Carya CtBearDE19701
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.13% yield at 314 Carya Ct, Bear, DE, 19701 in Bear is solid, but the $2,361/mo payment compresses net cash flow to $79/mo at $525,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $145,048 by year five, and $4,835/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.32) without U.S. income documentation. Total projected return: $203,416.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 7.2% |
| Monthly Cash Flow | $79 | $450 |
City averages based on Bear market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,120 |
| Total Monthly Debt Service | $2,829 |
| 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 1984
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19701, Bear, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,521 (100%) |
| Owner Occupied HU | 12,885 (78.0%) |
| Renter Occupied HU | 3,089 (18.7%) |
| Vacant Housing Units | 547 ( 3.3%) |
| Median Home Value | $385,141 |
| Average Home Value | $401,688 |
Housing Distribution
Address Breakdown
Residential
16,404
Single Family
14,748
Multi-Family
1,656
Businesses
920
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 1984
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19701, Bear, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,521 (100%) |
| Owner Occupied HU | 12,885 (78.0%) |
| Renter Occupied HU | 3,089 (18.7%) |
| Vacant Housing Units | 547 ( 3.3%) |
| Median Home Value | $385,141 |
| Average Home Value | $401,688 |
Housing Distribution
Address Breakdown
Residential
16,404
Single Family
14,748
Multi-Family
1,656
Businesses
920
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices