Chatham Plan, Sierra RidgeGastoniaNC28052
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, Chatham Plan, Sierra Ridge, Gastonia, NC, 28052 in Gastonia earns a 9.97% gross yield at $284,990. Rent of $2,369/mo nets $422/mo after the $1,281/mo mortgage. The 1.85 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $78,737 and $2,625/yr in equity accumulation project a total cumulative return of $136,111.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.8% |
| Monthly Cash Flow | $422 | $450 |
City averages based on Gastonia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,369 |
| Total Monthly Debt Service | $1,833 |
| DSCR Ratio | 1.29x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
$210 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28052, Gastonia, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,705 (100%) |
| Owner Occupied HU | 7,782 (49.6%) |
| Renter Occupied HU | 6,479 (41.3%) |
| Vacant Housing Units | 1,444 ( 9.2%) |
| Median Home Value | $219,340 |
| Average Home Value | $255,405 |
Housing Distribution
Address Breakdown
Residential
14,504
Single Family
13,848
Multi-Family
656
Businesses
1,075
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
$210 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 28052, Gastonia, NC area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,705 (100%) |
| Owner Occupied HU | 7,782 (49.6%) |
| Renter Occupied HU | 6,479 (41.3%) |
| Vacant Housing Units | 1,444 ( 9.2%) |
| Median Home Value | $219,340 |
| Average Home Value | $255,405 |
Housing Distribution
Address Breakdown
Residential
14,504
Single Family
13,848
Multi-Family
656
Businesses
1,075
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Profile Homes
Mls Name: Profile Homes
Mls Provider:
Mls ID: #N/A