4538 Regent DriveWilmingtonNC28412
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4538 Regent Drive, Wilmington, NC, 28412 in Wilmington is narrow, $102/mo net on $2,615/mo rent after the $1,574/mo debt service, but the property operates at break-even-plus, not a loss. At $350,000 with a 8.97% yield, the long-run equity case via 5% appreciation ($96,699 over five years) and $3,224/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.66 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $163,567.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.8% |
| Monthly Cash Flow | $102 | $1,850 |
City averages based on Wilmington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,615 |
| Total Monthly Debt Service | $1,994 |
| 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.
Townhouse
Built in 2004
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28412, Wilmington, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,383 (100%) |
| Owner Occupied HU | 12,950 (53.1%) |
| Renter Occupied HU | 9,242 (37.9%) |
| Vacant Housing Units | 2,191 ( 9.0%) |
| Median Home Value | $396,597 |
| Average Home Value | $451,674 |
Housing Distribution
Address Breakdown
Residential
23,810
Single Family
18,795
Multi-Family
5,015
Businesses
956
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
Townhouse
Built in 2004
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28412, Wilmington, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,383 (100%) |
| Owner Occupied HU | 12,950 (53.1%) |
| Renter Occupied HU | 9,242 (37.9%) |
| Vacant Housing Units | 2,191 ( 9.0%) |
| Median Home Value | $396,597 |
| Average Home Value | $451,674 |
Housing Distribution
Address Breakdown
Residential
23,810
Single Family
18,795
Multi-Family
5,015
Businesses
956
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The Cameron Team • Coldwell Banker Sea Coast Advantage
Mls Name: Hive MLS
Mls ID: #100549996