3940 Muddy Creek DrWinston SalemNC27107
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3940 Muddy Creek Dr, Winston Salem, NC, 27107 in Winston Salem at $375,000 earns $2,360/mo in rent and nets $75/mo after the $1,686/mo payment, a 7.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $103,606 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $3,454/yr in principal paydown, total projected return reaches $146,852.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $75 | $320 |
City averages based on Winston Salem market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,360 |
| Total Monthly Debt Service | $2,136 |
| 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 2019
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27107, Winston Salem, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,531 (100%) |
| Owner Occupied HU | 12,845 (62.6%) |
| Renter Occupied HU | 6,463 (31.5%) |
| Vacant Housing Units | 1,223 ( 6.0%) |
| Median Home Value | $244,988 |
| Average Home Value | $274,454 |
Housing Distribution
Address Breakdown
Residential
19,550
Single Family
17,989
Multi-Family
1,561
Businesses
806
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 2019
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27107, Winston Salem, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,531 (100%) |
| Owner Occupied HU | 12,845 (62.6%) |
| Renter Occupied HU | 6,463 (31.5%) |
| Vacant Housing Units | 1,223 ( 6.0%) |
| Median Home Value | $244,988 |
| Average Home Value | $274,454 |
Housing Distribution
Address Breakdown
Residential
19,550
Single Family
17,989
Multi-Family
1,561
Businesses
806
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sultan Ahmed • Mark Spain Real Estate
Mls Name: Triad MLS
Mls ID: #1188531