396 Madison AvenueOrientalNC28571
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 396 Madison Avenue, Oriental, NC, 28571 in Oriental speaks for itself: 12.48% gross on a $169,000 price, generating $1,758/mo in rent and $686/mo in net income after the $760/mo debt service. DSCR 2.31, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,236 stacks alongside $46,692 in projected five-year appreciation and $1,557/yr in principal reduction. Projected total cumulative return: $108,379.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 6.2% |
| Monthly Cash Flow | $686 | $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 | $1,758 |
| Total Monthly Debt Service | $1,004 |
| DSCR Ratio | 1.75x |
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.
Lot
Built in N/A
1.94 Acres lot
$N/A/sqft
$500 annually HOA
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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
Lot
Built in N/A
1.94 Acres lot
$N/A/sqft
$500 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices