4148 Valley TrlMorgantonNC28655
INVESTMENT ANALYSIS
Investment Verdict
Solid Income4148 Valley Trl, Morganton, NC, 28655 in Morganton earns a respectable 9.11% gross yield at $100,000, but after the $450/mo mortgage the net cash flow is $138/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.69) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $27,628 over five years, making equity the dominant return driver. Total projected return: $46,889.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $138 | $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 | $760 |
| Total Monthly Debt Service | $581 |
| DSCR Ratio | 1.31x |
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 1992
0.67 Acres lot
$N/A/sqft
No HOA
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 1992
0.67 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandy Huffman • Huffman Realty Group, LLC
Mls Name: Canopy MLS as distributed by MLS GRID
Mls Provider:
Mls ID: #4242299
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