499 Hillcrest AvenueWintervilleNC28590
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.07% yield at 499 Hillcrest Avenue, Winterville, NC, 28590 in Winterville is solid, but the $484/mo payment compresses net cash flow to $150/mo at $102,125. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $28,215 by year five, and $856/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.60) without U.S. income documentation. Total projected return: $46,429.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $150 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $772 |
| Total Monthly Debt Service | $607 |
| DSCR Ratio | 1.27x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1974
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28590, Winterville, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,139 (100%) |
| Owner Occupied HU | 8,173 (67.3%) |
| Renter Occupied HU | 3,263 (26.9%) |
| Vacant Housing Units | 703 ( 5.8%) |
| Median Home Value | $279,164 |
| Average Home Value | $290,228 |
Housing Distribution
Address Breakdown
Residential
12,254
Single Family
11,249
Multi-Family
1,005
Businesses
674
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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
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Listed by: N/A • N/A
Mls Name: Hive MLS
Mls Provider:
Mls ID: #100608169
