8 Pine Top PlDurhamNC27705
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 8 Pine Top Pl, Durham, NC, 27705 in Durham the bet is firmly on appreciation. Rental yield 5.61%. The 5.61% gross yield on a $1,550,000 price is below income-first thresholds, but 5%/yr value growth projects $428,236 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.04) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $428,544.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.2% |
| Monthly Cash Flow | $(2,483) | $350 |
City averages based on Durham market data in our database. Property projections are estimates.
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 | $7,248 |
| Total Monthly Debt Service | $9,114 |
| DSCR Ratio | 0.80x |
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 2000
1.50 Acres lot
$N/A/sqft
$480 annually HOA
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 2000
1.50 Acres lot
$N/A/sqft
$480 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Allison Zimmerman • Cooke Property
Mls Name: Doorify MLS
Mls Provider:
Mls ID: #10097229
Disclaimer: The MLS listing information displayed is deemed reliable, but is not guaranteed accurate by the MLS. Copyright 2025 Doorify MLS of North Carolina. All rights reserved.