USDV Capital
Bertie County real estate

Bertie County

RestrictedOpportunity Zone

Bertie County, Bertie County

Median Home Value

$58,547

-14.1%

Est. Cap Rate

11.0%

Based on rent yield × 65%

Vacancy Rate

21.9%

75% owner-occupied

Population

17K

Median income: $45,931

B
60/100Buy

Investment Score — Bertie County

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate11.0%
Rent Yield16.9%
Affordability$58,547
Occupancy78.1%
Appreciation-14.1%

Bertie County Investment Analysis

Bertie County is a smaller market (17K residents) with median values at $58,547. At a 11.0% estimated cap rate, this is a high-yield cash flow market — well above the national average. Ideal for DSCR rental investors seeking immediate returns. Home values have declined 14.1% year-over-year, creating potential buying opportunities for investors with a 2-3 year horizon.

Market Profile
Avg: 67/100
Cash Flow11.0% cap
Appreciation-14.1% YoY
Affordability$59K
Occupancy78.1% occ.
Rent Yield16.9%
Employment100.0%
Price vs. Rent Analysis
Price-to-Rent Ratio5.9x
Cash FlowBalancedAppreciation

Strong cash flow market — rental income exceeds typical carrying costs

Median Home Value

Zillow ZHVI

$58,547
Median Monthly Rent

Zillow ZORI

$824
Annual Rent
$9,888
Gross Rent Yield

Annual rent ÷ home value

16.9%

Market Details

Housing Stock

9K units

Single-family: 6K

Multifamily: 205 (2.3%)

Investment Metrics

Gross Yield 16.9%

Cap Rate 11.0%

Price-to-Rent 5.9 (Favors buying)

Property Tax $764/yr

Demographics

Median Income $45,931

Median Age 45.9

Employment 100.0%

Home Value Trends

1-Year Appreciation -14.1%

3-Year Appreciation -9.9%

5-Year Appreciation -8.4%

Rental Market

$824/mo

Renter population: 25.5%

Lending Status

Restricted

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population17K

25/sq mi

Median Income$45,931

$27,082 per capita

Employment100.0%

8.4% unemployment

Occupancy78.1%

25.5% renters

College Educated17.8%
Median Age: 45.99K Housing UnitsMedian Built: 1980

Partial Opportunity Zone

Select census tracts in this area are federally designated

Investors in Bertie County may qualify for significant tax advantages under the Opportunity Zones program (IRC §1400Z-2).

Tax Deferral

Defer capital gains taxes by reinvesting into Qualified Opportunity Funds

Step-Up in Basis

10% exclusion on deferred gains after 5 years of holding

Tax-Free Growth

Zero capital gains on QOF appreciation if held 10+ years

Consult a qualified tax advisor to determine eligibility. Opportunity Zone designations are subject to change. USDV Capital finances projects in designated Opportunity Zones — speak with an advisor to explore QOF-eligible structures.

Top Cities in Bertie County

5 cities by population

CityHome Value
WindsorBertie County$67,224View →
AulanderBertie County$75,590View →
Lewiston WoodvilleBertie County$47,469View →
RoxobelBertie County$45,200View →
KelfordBertie County$56,552View →
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Property Details

$58,547
$100K$2M
25% ($14,637)
15%50%
7.50%
6%10%
$824

Investment Projection

Monthly Cash Flow

$444

Cash-on-Cash

36.4%

DSCR Ratio

2.68

Annual Cash Flow

$5,325

Monthly P&I: $307 | Est. Expenses: $73

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Bertie County Investment Report

Comprehensive county market analysis

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Free Investment Report

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Make data-driven investment decisions with our comprehensive county report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Exclusive Guide

Top 10 Cities in Bertie County for DSCR Investment

Our data team analyzed every citie in Bertie County to find the best opportunities for cash-flowing DSCR investments.

Ranked by investment potential score
Includes median prices & rental yields
5-year appreciation forecasts

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Top 10 Cities

Bertie County | DSCR Investment

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Bertie County deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

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Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
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Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
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Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
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DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
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Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
Schedule a Consultation
Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
Schedule a Consultation

Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Bertie County opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000

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