Charlotte, NC, Investor Yield Index
At standard terms, a median Charlotte rental does not cash-flow today. It scores 35/100 (grade C) and ranks #13 of 18 tracked metros. At the Charlotte-Concord median of $257,739 renting near $1,740/mo, the estimated DSCR is 0.83 and cash-on-cash is -3.59% at a 6.80% loan rate, which sits below the 1.2 lender minimum.
Prices and rents are live Zillow medians. The 6.80% 30-year rate is a current market estimate. Neither is a lender quote, so run your real numbers below.
Index 35/100 · rank #13
Cap rate
Gross yield
Median price
DSCR
Cash-on-cash
Monthly rent
GRM
Run the numbers on a Charlotte deal
Pre-filled with Charlotte medians. Adjust price, rent, and rate to your actual deal.
Assumptions: 25% down + 3% closing costs, 40% opex/vacancy load 30-year amortization. Lenders typically require DSCR ≥ 1.2. Estimates, not a quote.
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Common questions about Charlotte
Is Charlotte, NC a good market for rental investors in 2026?
On the Investor Yield Index it scores 35/100 (grade C), ranking #13 of 18 tracked metros. The median price is $257,739 with rent around $1,740/mo, producing an estimated 4.86% cap rate and 0.83 DSCR at a 6.80% financing rate. At today's rates only 4 of the 18 tracked metros clear the 1.2 DSCR line on default terms, so the score is best read as where Charlotte stands relative to other markets.
What is the cap rate in Charlotte?
The model estimates a 4.86% cap rate at the median price-to-rent ratio, assuming a 40% operating-expense load. Your actual cap rate depends on the specific property and expenses.
Will a rental in Charlotte qualify for a DSCR loan?
It’s tight. The estimated DSCR of 0.83 is below the typical 1.2 minimum at 6.80%; a larger down payment or rate buydown may be needed to qualify.
Markets ranked near Charlotte
The closest metros above and below Charlotte on the index, plus the top markets for comparison.
San Antonio, TX
Columbus, OH
Orlando, FL
Atlanta, GA
Dallas, TX
Nashville, TN
Las Vegas, NV
Austin, TX
Cleveland, OH
Index assumptions, 25% down, a 40% operating-expense load, 30-year amortization, and a 6.80% loan rate. DSCR is net operating income divided by annual debt service, lenders typically want at least 1.2. Cap rate, gross yield, DSCR, and cash-on-cash are weighted 30, 20, 30, and 20 percent. Prices and rents are live Zillow medians for the 18 tracked metros, the 6.80% 30-year rate is a current market estimate, and the numbers are for relative comparison, not lender quotes or investment advice.