36 Railcar WayClaytonNC27520
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 36 Railcar Way, Clayton, NC, 27520 in Clayton at $454,900 earns $2,844/mo in rent and nets $72/mo after the $2,046/mo payment, a 7.5% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $125,680 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $4,190/yr in principal paydown, total projected return reaches $176,941.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $72 | $850 |
City averages based on Clayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,844 |
| Total Monthly Debt Service | $2,591 |
| 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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27520, Clayton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,790 (100%) |
| Owner Occupied HU | 15,201 (73.1%) |
| Renter Occupied HU | 4,716 (22.7%) |
| Vacant Housing Units | 873 ( 4.2%) |
| Median Home Value | $350,000 |
| Average Home Value | $370,622 |
Housing Distribution
Address Breakdown
Residential
20,003
Single Family
18,590
Multi-Family
1,413
Businesses
819
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27520, Clayton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,790 (100%) |
| Owner Occupied HU | 15,201 (73.1%) |
| Renter Occupied HU | 4,716 (22.7%) |
| Vacant Housing Units | 873 ( 4.2%) |
| Median Home Value | $350,000 |
| Average Home Value | $370,622 |
Housing Distribution
Address Breakdown
Residential
20,003
Single Family
18,590
Multi-Family
1,413
Businesses
819
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicole Maggio-Deaton • Chesapeake Homes - Raleigh Sales Office
Mls Name: Nexus MLS
Mls Provider:
Mls ID: #N370000000226
Disclaimer: Listing information is provided by the Nexus Multiple Listing Service. Property information is based on available data that may include MLS information, county records, and other sources. All information provided is deemed reliable but is not guaranteed and should be independently verified. All properties are subject to prior sale or withdrawal. 2025 Nexus MLS. All rights are reserved.