3221 McHarney DrHarrisburgNC28075
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3221 McHarney Dr, Harrisburg, NC, 28075 in Harrisburg worth study. Rental yield 4.08%. The 4.08% gross yield is below cash-flow benchmarks at $833,500, but 5% annual appreciation, adding $230,281 over five years, frames this as a capital growth position. Rent of $2,836/mo partially offsets the $3,748/mo payment. Ziffy Mortgage finances appreciation-play properties (0.76 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $165,304.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(2,344) | $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 | $2,836 |
| Total Monthly Debt Service | $4,848 |
| DSCR Ratio | 0.58x |
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 2025
N/A lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28075, Harrisburg, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,188 (100%) |
| Owner Occupied HU | 7,123 (87.0%) |
| Renter Occupied HU | 877 (10.7%) |
| Vacant Housing Units | 188 ( 2.3%) |
| Median Home Value | $459,896 |
| Average Home Value | $503,724 |
Housing Distribution
Address Breakdown
Residential
7,549
Single Family
7,549
Multi-Family
0
Businesses
761
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 2025
N/A lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28075, Harrisburg, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,188 (100%) |
| Owner Occupied HU | 7,123 (87.0%) |
| Renter Occupied HU | 877 (10.7%) |
| Vacant Housing Units | 188 ( 2.3%) |
| Median Home Value | $459,896 |
| Average Home Value | $503,724 |
Housing Distribution
Address Breakdown
Residential
7,549
Single Family
7,549
Multi-Family
0
Businesses
761
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristina, Kyle, Amanda, Tara, Caity, and Leslie Ch • Eastwood Homes
Mls Name: Eastwood Homes
Mls Provider:
Mls ID: #N/A