76 Hershel LnSwannanoaNC28778
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 76 Hershel Ln, Swannanoa, NC, 28778 in Swannanoa offers a clean, manageable entry. Rental yield 6.73%. DSCR 1.25 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $110,374 in additional property value over five years, with $3,679/yr in principal equity building ownership stake. Total projected cumulative return: $138,829.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.2% |
| Monthly Cash Flow | $(194) | $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 | $2,240 |
| Total Monthly Debt Service | $2,276 |
| DSCR Ratio | 0.98x |
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 2005
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28778, Swannanoa, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,807 (100%) |
| Owner Occupied HU | 3,106 (64.6%) |
| Renter Occupied HU | 1,185 (24.7%) |
| Vacant Housing Units | 516 (10.7%) |
| Median Home Value | $357,056 |
| Average Home Value | $382,510 |
Housing Distribution
Address Breakdown
Residential
4,804
Single Family
4,804
Multi-Family
0
Businesses
303
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 2005
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28778, Swannanoa, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,807 (100%) |
| Owner Occupied HU | 3,106 (64.6%) |
| Renter Occupied HU | 1,185 (24.7%) |
| Vacant Housing Units | 516 (10.7%) |
| Median Home Value | $357,056 |
| Average Home Value | $382,510 |
Housing Distribution
Address Breakdown
Residential
4,804
Single Family
4,804
Multi-Family
0
Businesses
303
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rachel Alosky Stark • Patton Allen Real Estate LLC
Mls Name: Canopy MLS as distributed by MLS GRID
Mls Provider:
Mls ID: #4342479
Disclaimer: Based on information submitted to the MLS GRID as of 2026-02-11 02:43:22 PST. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#87)