Investment property · DSCR screen

3-bed townhouse in Charlotte, NC

Charlotte, NC 28206 · Mecklenburg County · Active

3 bed, 2.5 bath townhouse for sale in Charlotte, NC — Listed by Exp Realty Llc

Beds3

Baths2.5

Sq ft1,498

Year built2022

TypeTownhouse

Lot8,712 sqft

The I/O payment, line by line

Interest-only debt service: $1,800
Property tax + insurance: $343
HOA: None reported
Total: $2,143
30-year P&I at 6.375%: $1,797
30-year PITIA: $2,140

Taxes and insurance are this listing's actual figures ($343/mo). No HOA fee is reported for this listing, so none is included — and on a townhouse that usually means the fee is missing from the data rather than genuinely zero. A real fee would reduce the DSCR above, possibly below the 1.25 we screen for. On a purchase price of $360,000 (as of August 2026) with 20% down, the loan is $288,000. Rate, term and costs are the published assumptions, not a quote — your actual payment depends on your credit, reserves, entity structure and the appraisal.

Flood risk

8/10

Severe risk · FEMA zone X (unshaded)

Expect a meaningful flood-insurance premium, and lenders will require it in a FEMA high-risk zone.

Listing facts

Revenue comparables13 · High confidence

ListedJun 12, 2026

Days on market61

StatusActive

Revenue comps13

ConfidenceHigh

Let's polish these numbers

Send it over and we'll tell you how DSCR and all loans pencil for this property and show you the whole market too — no cost, no credit pull.

Prefer to talk now? Call or text Chad: 858-353-8331.

Name

Phone

What we’ll send over — edit anything you like

I'm looking at this home on your Investment Properties page:

3-bed townhouse in Charlotte, NC 28206
Scout listing ID: 9910542049
/investment-properties/p/3-bed-townhouse-charlotte-28206-9910542049/

List price: $360,000 (as of August 2026)
Townhouse · 3 bed · 2.5 bath · 1,498 sqft · built 2022
County: Mecklenburg

Projected short-term-rental revenue: $39,100–$49,800 a year
Based on 13 comparable listings at high confidence — ZIP + bedroom comparables, not an appraisal of this home

Estimated interest-only payment at 80% LTV and 7.5%:
· Interest: $1,800
· Property tax + insurance: $343
· HOA: none reported
· Total: $2,143

Estimated I/O DSCR after a 20% operating-cost allowance: 1.38 — Strong · clears the 1.25 line (the listing's actual taxes and insurance; NO HOA fee is reported for it, so none is included — a real fee would lower this)
Estimated 30-year DSCR at 6.375%: 1.38

Can you tell me what DSCR and other loans look like for this property, and are there others like it in this market?

Where to go next

Investor cash-flow data for Charlotte, NC
Rents, prices and DSCR spreads across the whole metro
Every home that currently pencils
Filter all of them by price, beds, state and DSCR
DSCR loans for investors
How the program qualifies a property on rental cash flow
Run your own numbers
Change the price, rate or revenue and watch the DSCR move

As a user of this system, you agree to all Scout Terms & Conditions and Home & Mortgage Conditions.