4654 Harbor View TerMorgantonNC28655
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4654 Harbor View Ter, Morganton, NC, 28655 in Morganton fits: $1,645,000, 2.41% gross yield, and a projected 5% annual appreciation rate adding $454,483 in value within five years. Rental yield 2.41%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.45) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $15,151/yr in principal paydown and $454,483 in appreciation project a total return of $186,235.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 6.2% |
| Monthly Cash Flow | $(6,794) | $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 | $3,308 |
| Total Monthly Debt Service | $9,448 |
| DSCR Ratio | 0.35x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1997
0.86 Acres lot
$N/A/sqft
$460 semi-annually HOA
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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 1997
0.86 Acres lot
$N/A/sqft
$460 semi-annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices