459 Pinnacle LOT 45RaefordNC28376
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 459 Pinnacle LOT 45, Raeford, NC, 28376 in Raeford: $2,700/mo in rent, $320/mo in net income, 8.37% gross yield, 1.55 DSCR, all at $387,100. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $106,949 in appreciation and $3,565/yr in principal paydown projects total cumulative return of $167,302.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.2% |
| Monthly Cash Flow | $320 | $850 |
City averages based on Raeford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,700 |
| Total Monthly Debt Service | $2,226 |
| DSCR Ratio | 1.21x |
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
0.47 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28376, Raeford, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,272 (100%) |
| Owner Occupied HU | 11,666 (63.8%) |
| Renter Occupied HU | 5,298 (29.0%) |
| Vacant Housing Units | 1,308 ( 7.2%) |
| Median Home Value | $233,259 |
| Average Home Value | $252,718 |
Housing Distribution
Address Breakdown
Residential
17,977
Single Family
16,594
Multi-Family
1,383
Businesses
888
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
0.47 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28376, Raeford, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,272 (100%) |
| Owner Occupied HU | 11,666 (63.8%) |
| Renter Occupied HU | 5,298 (29.0%) |
| Vacant Housing Units | 1,308 ( 7.2%) |
| Median Home Value | $233,259 |
| Average Home Value | $252,718 |
Housing Distribution
Address Breakdown
Residential
17,977
Single Family
16,594
Multi-Family
1,383
Businesses
888
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices