USDV Capital
Oak City real estate

Oak City

Restricted

Oak City, Martin County

Median Home Value

$80,762

+0.6%

Est. Cap Rate

9.2%

Based on rent yield × 65%

Vacancy Rate

23.6%

43% owner-occupied

Population

472

Median income: $60,739

B
67/100Buy

Investment Score — Oak City

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

Cap Rate9.2%
Rent Yield14.1%
Affordability$80,762
Occupancy76.4%
Appreciation0.6%

Oak City Investment Analysis

Oak City is a smaller market (472 residents) with median values at $80,762. At a 9.2% estimated cap rate, this is a high-yield cash flow market — well above the national average. Ideal for DSCR rental investors seeking immediate returns. Values are stable with 0.6% annual growth, offering predictable returns without overheating risk. With 57% of the population renting at a median of $950/month, Oak City has exceptionally strong rental demand — a key indicator for DSCR loan qualification.

Market Profile
Avg: 70/100
Cash Flow9.2% cap
Appreciation0.6% YoY
Affordability$81K
Occupancy76.4% occ.
Rent Yield14.1%
Employment100.0%
Price vs. Rent Analysis
Price-to-Rent Ratio7.1x
Cash FlowBalancedAppreciation

Strong cash flow market — rental income exceeds typical carrying costs

Median Home Value

Zillow ZHVI

$80,762
Median Monthly Rent

Zillow ZORI

$950
Annual Rent
$11,400
Gross Rent Yield

Annual rent ÷ home value

14.1%

Market Details

Housing Stock

250 units

Single-family: 221

Multifamily: 2 (0.8%)

Investment Metrics

Gross Yield 14.1%

Cap Rate 9.2%

Price-to-Rent 7.1 (Favors buying)

Property Tax $1,107/yr

Demographics

Median Income $60,739

Median Age 50.0

Employment 100.0%

Home Value Trends

1-Year Appreciation +0.6%

3-Year Appreciation +5.9%

Rental Market

$950/mo

Renter population: 57.1%

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
Population472

471/sq mi

Median Income$60,739

$23,436 per capita

Employment100.0%

1.6% unemployment

Occupancy76.4%

57.1% renters

College Educated7.0%
Median Age: 50250 Housing UnitsMedian Built: 1953
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Property Details

$80,762
$100K$2M
25% ($20,191)
15%50%
7.50%
6%10%
$950

Investment Projection

Monthly Cash Flow

$426

Cash-on-Cash

25.3%

DSCR Ratio

2.24

Annual Cash Flow

$5,106

Monthly P&I: $424 | Est. Expenses: $101

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Oak City Investment Report

Comprehensive city market analysis

+12.4%
$485K
8.2%
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Make data-driven investment decisions with our comprehensive city 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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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 Oak City 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
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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
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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 Oak City 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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