485 Buck DrHaysNC28635
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.43% gross rental yield, 485 Buck Dr, Hays, NC, 28635 in Hays is priced for capital growth, not immediate cash flow. The $350,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $96,699 by year five, with $3,224/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.82) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $78,355.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(842) | $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 | $1,291 |
| Total Monthly Debt Service | $1,994 |
| DSCR Ratio | 0.65x |
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 1988
1.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28635, Hays, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,713 (100%) |
| Owner Occupied HU | 1,184 (69.1%) |
| Renter Occupied HU | 298 (17.4%) |
| Vacant Housing Units | 231 (13.5%) |
| Median Home Value | $202,786 |
| Average Home Value | $217,749 |
Housing Distribution
Address Breakdown
Residential
1,601
Single Family
1,601
Multi-Family
0
Businesses
47
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 1988
1.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28635, Hays, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,713 (100%) |
| Owner Occupied HU | 1,184 (69.1%) |
| Renter Occupied HU | 298 (17.4%) |
| Vacant Housing Units | 231 (13.5%) |
| Median Home Value | $202,786 |
| Average Home Value | $217,749 |
Housing Distribution
Address Breakdown
Residential
1,601
Single Family
1,601
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeffrey Nicholson • NorthGroup Real Estate
Mls Name: Triad MLS
Mls Provider:
Mls ID: #1176132
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