582 Nantahala ShrsToptonNC28781
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.14% gross rental yield, 582 Nantahala Shrs, Topton, NC, 28781 in Topton is priced for capital growth, not immediate cash flow. The $1,175,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $324,631 by year five, with $10,822/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.58) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $174,507.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.2% |
| Monthly Cash Flow | $(4,212) | $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 | $3,074 |
| Total Monthly Debt Service | $6,819 |
| DSCR Ratio | 0.45x |
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 2003
0.41 Acres lot
$N/A/sqft
$1,500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28781, Topton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,008 (100%) |
| Owner Occupied HU | 313 (31.1%) |
| Renter Occupied HU | 63 ( 6.2%) |
| Vacant Housing Units | 632 (62.7%) |
| Median Home Value | $316,071 |
| Average Home Value | $356,669 |
Housing Distribution
Address Breakdown
Residential
671
Single Family
611
Multi-Family
60
Businesses
28
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 2003
0.41 Acres lot
$N/A/sqft
$1,500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28781, Topton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,008 (100%) |
| Owner Occupied HU | 313 (31.1%) |
| Renter Occupied HU | 63 ( 6.2%) |
| Vacant Housing Units | 632 (62.7%) |
| Median Home Value | $316,071 |
| Average Home Value | $356,669 |
Housing Distribution
Address Breakdown
Residential
671
Single Family
611
Multi-Family
60
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gayle Horton • Nantahala Real Estate
Mls Name: Mountain Lakes BOR
Mls Provider:
Mls ID: #150156
Disclaimer: Copyright Mountain Lakes Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.