8615 E Carly Ln LOT 32CharlotteNC28227
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.49% yield at 8615 E Carly Ln LOT 32, Charlotte, NC, 28227 in Charlotte is solid, but the $3,562/mo payment compresses net cash flow to $57/mo at $792,105. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $218,844 by year five, and $7,295/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.39) without U.S. income documentation. Total projected return: $303,919.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.5% |
| Monthly Cash Flow | $57 | $420 |
City averages based on Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,943 |
| Total Monthly Debt Service | $4,571 |
| DSCR Ratio | 1.08x |
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 2025
0.76 Acres lot
$N/A/sqft
$703 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28227, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,248 (100%) |
| Owner Occupied HU | 15,983 (68.7%) |
| Renter Occupied HU | 6,405 (27.6%) |
| Vacant Housing Units | 860 ( 3.7%) |
| Median Home Value | $399,436 |
| Average Home Value | $454,037 |
Housing Distribution
Address Breakdown
Residential
22,947
Single Family
19,993
Multi-Family
2,954
Businesses
1,371
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 2025
0.76 Acres lot
$N/A/sqft
$703 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28227, Charlotte, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,248 (100%) |
| Owner Occupied HU | 15,983 (68.7%) |
| Renter Occupied HU | 6,405 (27.6%) |
| Vacant Housing Units | 860 ( 3.7%) |
| Median Home Value | $399,436 |
| Average Home Value | $454,037 |
Housing Distribution
Address Breakdown
Residential
22,947
Single Family
19,993
Multi-Family
2,954
Businesses
1,371
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices