634 Cole RdClaytonNC27520
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 634 Cole Rd, Clayton, NC, 27520 in Clayton at $435,000 earns $2,752/mo in rent and nets $100/mo after the $1,956/mo payment, a 7.59% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $120,182 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $4,006/yr in principal paydown, total projected return reaches $171,247.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $100 | $850 |
City averages based on Clayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,752 |
| Total Monthly Debt Service | $2,478 |
| DSCR Ratio | 1.11x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2001
1.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27520, Clayton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,790 (100%) |
| Owner Occupied HU | 15,201 (73.1%) |
| Renter Occupied HU | 4,716 (22.7%) |
| Vacant Housing Units | 873 ( 4.2%) |
| Median Home Value | $350,000 |
| Average Home Value | $370,622 |
Housing Distribution
Address Breakdown
Residential
20,003
Single Family
18,590
Multi-Family
1,413
Businesses
819
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 2001
1.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 27520, Clayton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,790 (100%) |
| Owner Occupied HU | 15,201 (73.1%) |
| Renter Occupied HU | 4,716 (22.7%) |
| Vacant Housing Units | 873 ( 4.2%) |
| Median Home Value | $350,000 |
| Average Home Value | $370,622 |
Housing Distribution
Address Breakdown
Residential
20,003
Single Family
18,590
Multi-Family
1,413
Businesses
819
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: April Stephens • eXp Realty, LLC - C
Mls Name: Doorify MLS
Mls Provider:
Mls ID: #10142583
Disclaimer: The MLS listing information displayed is deemed reliable, but is not guaranteed accurate by the MLS. Copyright 2026 Doorify MLS of North Carolina. All rights reserved.