USDV Capital
Iredell County real estate

Iredell County

RestrictedOpportunity Zone

Iredell County, Iredell County · Charlotte-Concord-Gastonia, NC-SC

Median Home Value

$381,123

+1.0%

Est. Cap Rate

3.5%

Based on rent yield × 65%

Vacancy Rate

9.6%

72% owner-occupied

Population

192K

Median income: $78,678

C
40/100Hold

Investment Score — Iredell County

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

Cap Rate3.5%
Rent Yield5.4%
Affordability$381,123
Occupancy90.4%
Appreciation1.0%

Iredell County Investment Analysis

Iredell County is a mid-size market of 192K residents with median home values at $381,123. With a 3.5% cap rate, Iredell County is primarily an appreciation play. Investors here are betting on long-term value growth rather than immediate cash flow. Values are stable with 1.0% annual growth, offering predictable returns without overheating risk.

Market Profile
Avg: 49/100
Cash Flow3.5% cap
Appreciation1.0% YoY
Affordability$381K
Occupancy90.4% occ.
Rent Yield5.4%
Employment99.9%
Price vs. Rent Analysis
Price-to-Rent Ratio18.5x
Cash FlowBalancedAppreciation

Balanced market — moderate cash flow with appreciation upside

Median Home Value

Zillow ZHVI

$381,123
Median Monthly Rent

Zillow ZORI

$1,714
Annual Rent
$20,568
Gross Rent Yield

Annual rent ÷ home value

5.4%

Market Details

Housing Stock

82K units

Single-family: 58K

Multifamily: 11K (13.0%)

Investment Metrics

Gross Yield 5.4%

Cap Rate 3.5%

Price-to-Rent 18.5 (Balanced)

Property Tax $1,843/yr

Demographics

Median Income $78,678

Median Age 40.9

Employment 99.9%

Home Value Trends

1-Year Appreciation +1.0%

3-Year Appreciation +4.6%

5-Year Appreciation +37.9%

Rental Market

$1,714/mo

Renter population: 28.5%

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
Population192K

334/sq mi

Median Income$78,678

$43,261 per capita

Employment99.9%

4.4% unemployment

Occupancy90.4%

28.5% renters

College Educated33.3%
Median Age: 40.982K Housing UnitsMedian Built: 1996

Partial Opportunity Zone

Select census tracts in this area are federally designated

Investors in Iredell 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 Iredell County

5 cities by population

CityHome Value
MooresvilleIredell County$477,168View →
StatesvilleIredell County$291,638View →
TroutmanIredell County$392,270View →
Stony PointIredell County$267,818View →
HarmonyIredell County$284,639View →

Top Neighborhoods in Iredell County

4 neighborhoods

Academy Historic District

Davie Avenue/Broad Street Historic District

$217,260+5.1%

Mitchell College Historic District

$275,070+4.5%

Race Street Historic District

Investment Calculator

Calculate Your Iredell County Investment Returns

Run the numbers on any property. Get your full analysis emailed to you instantly.

Property Details

$381,123
$100K$2M
25% ($95,281)
15%50%
7.50%
6%10%
$1,714

Investment Projection

Monthly Cash Flow

-$761

Cash-on-Cash

-9.6%

DSCR Ratio

0.86

Annual Cash Flow

-$9,133

Monthly P&I: $1,999 | Est. Expenses: $476

Get Your Full Analysis

Receive a detailed PDF with 5-year projections, tax implications, and financing scenarios.

We respect your privacy. Unsubscribe at any time.

Iredell County Investment Report

Comprehensive county market analysis

+12.4%
$485K
8.2%
Enter email to unlock full report
Free Investment Report

Get the Complete Iredell County Market Analysis

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

By submitting, you agree to receive investment insights from USDV Capital. Unsubscribe anytime.

Exclusive Guide

Top 10 Cities in Iredell County for DSCR Investment

Our data team analyzed every citie in Iredell 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

We respect your privacy. Unsubscribe at any time.

Top 10 Cities

Iredell County | DSCR Investment

1
Hidden for subscribers
---
---
2
Hidden for subscribers
---
---
3
Hidden for subscribers
---
---
+ 7 more cities

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 Iredell 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

Get Pre-Qualified Schedule a Consultation

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
Get Pre-Qualified
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
Get Pre-Qualified
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
Get Pre-Qualified
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
Get Pre-Qualified

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 Iredell 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

Get Pre-Qualified NowSchedule a Consultation