Published market hub · 2026-05
Raleigh, NC: start in High Rent-to-Value before you widen the search
1.20x DSCR read passes with max monthly payment $143k. 4.4% rent-to-value ratio supports modest cash flow. Start in High Rent-to-Value, where the current setup looks strongest today. Before deeper deal work, check insurance, taxes, and fee load on the actual property.
DSCR quick screen
Use about $1,428/mo as the public first-pass monthly payment ceiling at a 1.20x DSCR read, then pass on deals that need materially more room before taxes, insurance, vacancy, and capex.
- 1.20x DSCR read passes with max monthly payment $143k
- City rent proxy: $1,713/mo.
- Directional only. Pressure-test the payment range in the calculator before application.
Rough max payment
$1,428/mo
Public directional screen only. Validate against your actual scenario.
Rent proxy
City rent proxy: $1,713/mo
Public city screen derived from the strongest ZIP watch rows.
ZIP lead
High Rent-to-Value
Rent-to-value >5%
Market map preview
Raleigh, NC dashboard with city, metro, and ZIP evidence labeled separately.
Lead ZIP
High Rent-to-Value
Rent proxy
City rent proxy: $1,713/mo
Rough max payment
$1,428/mo
Investor read
What this market means right now
- Investors can target single-family or 2-4 unit properties in Raleigh, leveraging the 1.20x DSCR read to cap investment size at $143k. The rent-to-value ratio indicates a reasonable return, but careful due diligence on neighborhood trends is advised.
- Best fit when stabilized monthly payment can stay comfortably below $143k.
This page gives you the city screen, the submarket watchlist, and the related article in one place so you can decide whether the market deserves more time and where to start first.
Execution posture
How the setup looks for acquire, refi, and hold
Acquire
Target high rent ZIPs 27610, 27604, 27616 for quick acquisitions
Refi
Consider refinancing if price-drop trends accelerate
Hold
Monitor inventory and price-drop rates closely
Acquisition setup
What the current setup means for execution
4.4% rent-to-value ratio supports modest cash flow.
- 4.4% rent-to-value ratio supports modest cash flow.
- $143k max monthly payment allows targeting mid-range single-family or small multifamily assets.
- Low days on market and high sale-to-list ratio suggest quick sales and potential for acquisition at near-list price.
- High rent-to-value ZIPs (27610, 27604, 27616) offer strong DSCR potential; quick acquisition environment indicated by low days on market.
- Low days on market and near-list sale-to-list ratio enable quick acquisitions; strong rent-to-value in key ZIPs supports high DSCR; rapid inventory turnover suggests buyer demand.
Application next step
Ready to move from this market screen into a real application?
If this market still fits your strategy, continue into Sphinx Capital's loan application. DSCRInfo will carry this market context into the application start.
If you apply with Sphinx Capital from this page, DSCRInfo may receive referral compensation. See disclosures
ZIP watch
Where the submarket edge is concentrated
High Rent-to-Value
27610
Rent-to-value >5%
Strong Cash Flow
27604
Rent-to-value 4.5-5%
Solid Cash Flow
27616
Rent-to-value ≥5%
Watch Zone
27606
Rent-to-value 4.0-4.5%
Caution Zone
27608
Rent-to-value <4%
Next 90 days
How the setup could improve or deteriorate next
Investors should pursue acquisitions in ZIPs 27610, 27604, 27616 where rent-to-value >5%, leveraging the quick sales environment. Maintain a watch list for ZIP 27606 and monitor inventory levels; consider hedging against potential price declines by securing favorable loan terms.
- city read is 4.4% with rough max monthly payment $143k; metro acquisition pressure points to metro active listings yoy at 1,428; ZIP layer still shows 3 promising ZIP pockets.
- 4.4% rent-to-value ratio supports modest cash flow.
- $143k max monthly payment allows targeting mid-range single-family or small multifamily assets.
- Low days on market and high sale-to-list ratio suggest quick sales and potential for acquisition at near-list price.
- High rent-to-value ZIPs (27610, 27604, 27616) offer strong DSCR potential; quick acquisition environment indicated by low days on market.
Acquisition leverage
flat · medium4.4% rent-to-value ratio supports modest cash flow.
Rent cushion
flat · mediumLimited granularity-city averages may mask neighborhood-level variations.
Refi window
flat · mediumUse the dashboard as a first-pass read, not as a property-level decision.
Opportunity set
Why this market deserves attention
- 4.4% rent-to-value ratio supports modest cash flow.
- $143k max monthly payment allows targeting mid-range single-family or small multifamily assets.
- Low days on market and high sale-to-list ratio suggest quick sales and potential for acquisition at near-list price.
- High rent-to-value ZIPs (27610, 27604, 27616) offer strong DSCR potential; quick acquisition environment indicated by low days on market.
- Low days on market and near-list sale-to-list ratio enable quick acquisitions; strong rent-to-value in key ZIPs supports high DSCR; rapid inventory turnover suggests buyer demand.
Risk review
What could break the thesis
- Limited granularity-city averages may mask neighborhood-level variations.
- Rent and value proxies may not capture recent market shifts or specific property characteristics.
- High inventory and price-drop rates may read market softness and potential price declines.
- Limited granularity-ZIP-level data may not capture property-specific variations; rent data may lag.
- High inventory and 33% price-drop rate may lead to price declines; slight YoY price drop; potential tightening of DSCR loan terms.
Geography & method
How to read this page correctly
ZIP watch rows can diverge materially from city or metro averages.
Geography warnings
- ZIP watch rows can diverge materially from city or metro averages.
- Data limited to 2026-05; rent data may lag by up to 2 months.
- City metrics are not interchangeable with metro metrics; keep city, metro, and ZIP reads visibly separate.
- ZIP watch can diverge materially from city averages on both basis and rent.
Methodology notes
- Use the dashboard as a first-pass read, not as a property-level decision.
- Keep city rent/value proxies, metro acquisition pressure, and literal ZIP evidence visibly separate.
- Public DSCR estimates exclude taxes, insurance, vacancy, capex, lender overlays, and deal-specific rehab assumptions.
- Release dates and methodologies differ by source, so investor judgment should follow the metric-level labels rather than assume one unified feed.
- Used city-level Zillow Home Value Index (ZHVI) proxy from Repit and median rent from Steadily; computed gross rent-to-value ratio and max monthly payment based on these figures.
Metric framework
What this public page is prioritizing
Typical Home Value (ZHVI)
mixed$468,648
Typical home value based on Zillow Home Value Index for Raleigh
Raleigh, NC · Invalid Date
Average Rent (ZORI)
mixed$1,713/mo
Concrete city rent basis used for DSCR public read (Average Rent (ZORI)).
Raleigh, NC · Invalid Date
City Gross Rent-to-Value Ratio
mixed0.366%
Derived from Average Rent (ZORI) and city home value for public first-pass only.
Raleigh, NC · Invalid Date
City Max monthly payment at 1.20x DSCR
mixed$1,428/mo
Derived from Average Rent (ZORI) at a 1.20x DSCR read floor for public first-pass only.
Raleigh, NC · Invalid Date
Reader Q&A
Top questions this page should answer
Is this market workable for a DSCR acquisition investor right now?
Selective yes: treat this as a ZIP-by-ZIP acquisition market, not a blanket citywide buy call; start with High Rent-to-Value and only pursue deals that still clear conservative DSCR math.
What rough monthly payment boundary does the public quick read imply?
$1,428/mo using the current dashboard math. Average Rent (ZORI): $1,713 (Raleigh, NC). Gross Rent-to-Value Ratio: 0.366%.
Where should an investor start inside the market?
Start with High Rent-to-Value (promising) and Strong Cash Flow (promising). Rent-to-value ratio 5.2% exceeds 5% threshold, indicating strong cash flow potential. basis: Rent-to-value >5%.
What is the main thing that could break the thesis?
Limited granularity-city averages may mask neighborhood-level variations.
What should an investor verify next before acting on this dashboard?
4.4% rent-to-value ratio supports modest cash flow.
Freshness & method
How this page is built
This page combines a public rent proxy, a rough max monthly payment screen at 1.20x DSCR, local pricing and inventory pressure, and ZIP-level dispersion. It is built to help you decide whether the market deserves deeper deal work and where to start first.
Page updated
June 1, 2026
The current published market screen for Raleigh, NC: start in High Rent-to-Value before you widen the search.
Metric release window
Latest: May 1, 2026
Oldest on-page metric: May 1, 2026
Sources and method
This dashboard keeps city rent support, rough max monthly payment, local pricing pressure, and ZIP-level dispersion separate so you can decide whether the market is worth pursuing before deeper deal review.
Raleigh, NC dashboard with city, metro, and ZIP evidence labeled separately.. Public pages summarize the sources and method behind each read without exposing the underlying research record.
Application next step
Found a market that still works for your DSCR criteria?
Continue into Sphinx Capital's loan application when you are ready to turn this public market screen into a real DSCR loan application. DSCRInfo will carry this market context into the application start.