4213 Whispering Oaks DrCharlotteNC28213
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Charlotte rental at 4213 Whispering Oaks Dr, Charlotte, NC, 28213 sits in the solid-income band: 8.24% gross yield, $2,329/mo rent, $261/mo net after the $1,526/mo debt service, DSCR 1.53. Entry price of $339,400 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $93,770 and $3,126/yr in principal reduction bring total cumulative return to $145,350.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.5% |
| Monthly Cash Flow | $261 | $420 |
City averages based on Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,329 |
| Total Monthly Debt Service | $1,933 |
| DSCR Ratio | 1.20x |
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 2024
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28213, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 8,733 (41.5%) |
| Renter Occupied HU | 10,852 (51.5%) |
| Vacant Housing Units | 1,476 ( 7.0%) |
| Median Home Value | $335,034 |
| Average Home Value | $377,005 |
Housing Distribution
Address Breakdown
Residential
21,104
Single Family
15,335
Multi-Family
5,769
Businesses
1,143
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 2024
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28213, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 8,733 (41.5%) |
| Renter Occupied HU | 10,852 (51.5%) |
| Vacant Housing Units | 1,476 ( 7.0%) |
| Median Home Value | $335,034 |
| Average Home Value | $377,005 |
Housing Distribution
Address Breakdown
Residential
21,104
Single Family
15,335
Multi-Family
5,769
Businesses
1,143
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices