4545 Craigmoss LnCharlotteNC28278
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4545 Craigmoss Ln, Charlotte, NC, 28278 in Charlotte: $2,438/mo in rent, $415/mo in net income, 8.81% gross yield, 1.63 DSCR, all at $332,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $91,725 in appreciation and $3,058/yr in principal paydown projects total cumulative return of $152,448.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.5% |
| Monthly Cash Flow | $415 | $420 |
City averages based on Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,438 |
| Total Monthly Debt Service | $1,891 |
| DSCR Ratio | 1.29x |
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 2010
0.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28278, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,560 (100%) |
| Owner Occupied HU | 11,144 (67.3%) |
| Renter Occupied HU | 4,181 (25.2%) |
| Vacant Housing Units | 1,235 ( 7.5%) |
| Median Home Value | $516,060 |
| Average Home Value | $598,110 |
Housing Distribution
Address Breakdown
Residential
15,786
Single Family
13,840
Multi-Family
1,946
Businesses
560
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 2010
0.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28278, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,560 (100%) |
| Owner Occupied HU | 11,144 (67.3%) |
| Renter Occupied HU | 4,181 (25.2%) |
| Vacant Housing Units | 1,235 ( 7.5%) |
| Median Home Value | $516,060 |
| Average Home Value | $598,110 |
Housing Distribution
Address Breakdown
Residential
15,786
Single Family
13,840
Multi-Family
1,946
Businesses
560
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracy Balentine • EXP Realty LLC Ballantyne
Mls Name: Canopy MLS as distributed by MLS GRID
Mls ID: #4321870