825 Maple Creek RdRutherfordtonNC28139
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 825 Maple Creek Rd, Rutherfordton, NC, 28139 in Rutherfordton. Priced at $149,000, it generates $1,511/mo in gross rent and $603/mo in net monthly cash flow, a 12.17% yield that comfortably supports the 2.26 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,233. Five-year appreciation: $41,166. Equity from principal paydown: $1,372/yr. Total projected cumulative return: $95,284.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.2% |
| Monthly Cash Flow | $603 | $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 | $1,511 |
| Total Monthly Debt Service | $849 |
| DSCR Ratio | 1.78x |
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.
Multi Family
Built in 1999
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28139, Rutherfordton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,955 (100%) |
| Owner Occupied HU | 5,924 (66.2%) |
| Renter Occupied HU | 1,770 (19.8%) |
| Vacant Housing Units | 1,261 (14.1%) |
| Median Home Value | $272,538 |
| Average Home Value | $321,303 |
Housing Distribution
Address Breakdown
Residential
8,628
Single Family
8,517
Multi-Family
111
Businesses
633
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
Multi Family
Built in 1999
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28139, Rutherfordton, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,955 (100%) |
| Owner Occupied HU | 5,924 (66.2%) |
| Renter Occupied HU | 1,770 (19.8%) |
| Vacant Housing Units | 1,261 (14.1%) |
| Median Home Value | $272,538 |
| Average Home Value | $321,303 |
Housing Distribution
Address Breakdown
Residential
8,628
Single Family
8,517
Multi-Family
111
Businesses
633
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Holly Farmer • Coldwell Banker Newton RE
Mls Name: Canopy MLS as distributed by MLS GRID
Mls ID: #4326804