903 Us Highway 21State RoadNC28676
INVESTMENT ANALYSIS
Investment Verdict
Solid Income903 Us Highway 21, State Road, NC, 28676 in State Road earns a respectable 9.22% gross yield at $120,000, but after the $540/mo mortgage the net cash flow is $191/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.71) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $33,154 over five years, making equity the dominant return driver. Total projected return: $57,693.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $191 | $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 | $922 |
| Total Monthly Debt Service | $684 |
| DSCR Ratio | 1.35x |
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 1969
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28676, State Road, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,708 (100%) |
| Owner Occupied HU | 1,248 (73.1%) |
| Renter Occupied HU | 332 (19.4%) |
| Vacant Housing Units | 128 ( 7.5%) |
| Median Home Value | $242,083 |
| Average Home Value | $299,643 |
Housing Distribution
Address Breakdown
Residential
1,505
Single Family
1,505
Multi-Family
0
Businesses
74
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 1969
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28676, State Road, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,708 (100%) |
| Owner Occupied HU | 1,248 (73.1%) |
| Renter Occupied HU | 332 (19.4%) |
| Vacant Housing Units | 128 ( 7.5%) |
| Median Home Value | $242,083 |
| Average Home Value | $299,643 |
Housing Distribution
Address Breakdown
Residential
1,505
Single Family
1,505
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Furman G. Burt • Realty Executives W/S
Mls Name: Triad MLS
Mls ID: #1207409