5773 Stephanie StCharlotteNC28212
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5773 Stephanie St, Charlotte, NC, 28212 in Charlotte at $635,000, 5.52% gross yield, is a market-growth asset. Rental yield 5.52%. The $2,921/mo rent partially funds the $2,855/mo debt service; the core return is the 5%/yr price growth projected to add $175,439 over five years. Ziffy Mortgage's DSCR mortgage (1.02) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $179,465.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.5% |
| Monthly Cash Flow | $(949) | $420 |
City averages based on Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,921 |
| Total Monthly Debt Service | $3,617 |
| DSCR Ratio | 0.81x |
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 2022
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28212, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,247 (100%) |
| Owner Occupied HU | 5,433 (31.5%) |
| Renter Occupied HU | 10,841 (62.9%) |
| Vacant Housing Units | 973 ( 5.6%) |
| Median Home Value | $284,300 |
| Average Home Value | $367,819 |
Housing Distribution
Address Breakdown
Residential
16,615
Single Family
9,068
Multi-Family
7,547
Businesses
727
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 2022
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28212, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,247 (100%) |
| Owner Occupied HU | 5,433 (31.5%) |
| Renter Occupied HU | 10,841 (62.9%) |
| Vacant Housing Units | 973 ( 5.6%) |
| Median Home Value | $284,300 |
| Average Home Value | $367,819 |
Housing Distribution
Address Breakdown
Residential
16,615
Single Family
9,068
Multi-Family
7,547
Businesses
727
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Canopy MLS as distributed by MLS GRID
Mls ID: #4350851