41/30 Cottontail LnCantonNC28716
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 41/30 Cottontail Ln, Canton, NC, 28716 in Canton the bet is firmly on appreciation. Rental yield 4.48%. The 4.48% gross yield on a $637,000 price is below income-first thresholds, but 5%/yr value growth projects $175,991 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.83) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $144,650.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.2% |
| Monthly Cash Flow | $(1,503) | $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 | $2,380 |
| Total Monthly Debt Service | $3,629 |
| DSCR Ratio | 0.66x |
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 1984
5.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28716, Canton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,677 (100%) |
| Owner Occupied HU | 5,864 (67.6%) |
| Renter Occupied HU | 1,673 (19.3%) |
| Vacant Housing Units | 1,140 (13.1%) |
| Median Home Value | $249,573 |
| Average Home Value | $297,654 |
Housing Distribution
Address Breakdown
Residential
7,868
Single Family
7,802
Multi-Family
66
Businesses
437
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 1984
5.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28716, Canton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,677 (100%) |
| Owner Occupied HU | 5,864 (67.6%) |
| Renter Occupied HU | 1,673 (19.3%) |
| Vacant Housing Units | 1,140 (13.1%) |
| Median Home Value | $249,573 |
| Average Home Value | $297,654 |
Housing Distribution
Address Breakdown
Residential
7,868
Single Family
7,802
Multi-Family
66
Businesses
437
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Suzanne Bernardi • Keller Williams - Great Smokies - Bc
Mls Name: Carolina Smokies MLS
Mls ID: #26041125
Disclaimer: Copyright Carolina Smokies Association of Realtors & MLS. All rights reserved. Information is deemed reliable but not guaranteed.