3152 Ora Smith RdLincolntonNC28092
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.50 makes 3152 Ora Smith Rd, Lincolnton, NC, 28092 in Lincolnton one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.09%. The 8.09% yield, 5% annual appreciation ($73,764 over five years), and $2,459/yr in principal reduction project a total cumulative return of $100,249.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(27) | $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 | $1,800 |
| Total Monthly Debt Service | $1,721 |
| DSCR Ratio | 1.05x |
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.
Townhouse
Built in 2025
0.04 Acres lot
$N/A/sqft
$200 monthly HOA
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
Townhouse
Built in 2025
0.04 Acres lot
$N/A/sqft
$200 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maria Wilhelm • DR Horton Inc
Mls Name: Canopy MLS as distributed by MLS GRID
Mls Provider:
Mls ID: #4237988
Disclaimer: Based on information submitted to the MLS GRID as of 2025-03-24 08:48:06 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#87)