Student housing investor ready property – 4-bedroom, 2-bath condo directly across the street from UNC Charlotte
Bedrooms
Bathrooms
TYPE
First-floor 4BD/2BA condo directly across the street from UNC Charlotte — prime student housing location with zero units currently available for sale in the community. Just under 1,100 sqft per tax record. Ideal setup for room rentals with a privacy lock on each bedroom. Washer, dryer, and refrigerator convey — new owners can place tenants immediately.
4
2
1096 sqft (per tax record)
1989
$240 HOA monthly (internet included)
4 parking passes (1 per bedroom)
Forced Air
Central A/C
Laminate
2009
New
Granite
Tile
Kitchen updated in 2025: new dishwasher, granite countertops, and tile backsplash. Cute patio with exterior storage. Internet included through HOA (Spectrum Community Solutions) at $240/month. Leases typically run August–July following the UNCC academic calendar. Room rents in the community starting at $525. Utilities commonly bundled into rent with a usage cap. Deliver vacant or occupied. A smart addition to your investment portfolio.
Inside 9605G Vinca Circle
Two bedrooms, two full bathrooms and a layout that simply works.
University City is a major residential and commercial corridor located approximately 10 miles northeast of Uptown Charlotte in zip codes 28213, 28262, and 28269. The neighborhood is anchored by the University of North Carolina at Charlotte (UNC Charlotte) — which enrolled a record 32,207 students for fall 2025, making it the second consecutive year of record-breaking enrollment. That enrollment growth is the engine behind one of the most consistently rented submarkets in Mecklenburg County. UNC Charlotte
The renter base here is broad and stable: undergraduate and graduate students, faculty, healthcare workers, and young professionals employed by the area’s major corporate tenants. University City is home to over 20 Fortune 500 regional offices, with major employers including Allstate, Duke Energy, Wells Fargo, TIAA, Centene, and Atrium Health University City — all within a short commute of the residential neighborhoods surrounding campus. Universitycitypartners
Residents at the 9519A University Terrace Dr community, Charlotte, NC 28262 are directly across the street from the UNC Charlotte main campus. The LYNX Blue Line light rail connects University City to Center City Charlotte, SouthEnd, and Pineville. I-85 and I-485 access puts Charlotte Douglas International Airport, Concord Mills, and Uptown Charlotte within a 20-minute drive. The Mallard Creek and Toby Creek Greenways connect residential neighborhoods directly into the main UNCC campus on foot or by bike — making car-free living genuinely functional here. wikivoyage
The Shoppes at University Place, IKEA, and over 400 retail locations serve the corridor. Reedy Creek Nature Preserve and the UNC Charlotte Botanical Gardens provide green space within minutes. The PNC Music Pavilion — one of Charlotte’s largest outdoor concert venues — is nearby. Dining, fitness, and healthcare services line University City Boulevard (US-49), the corridor’s main commercial spine.
Student housing is a niche market and serves a great need for the UNC Charlotte’s student population. Due to the housing shortage of dormitories on campus, the majority of those students need off-campus housing within walking distance of class. Leases in the submarket run August–July, aligned to the fall/spring academic calendar, creating a predictable annual renewal cycle. Room rents in the University Terrace community start at $525/month, with utilities commonly bundled into rent with a usage cap.
Based on a purchase price of $174,900 · Rates pulled May 15, 2026
| LOAN TYPE | DOWN PAYMENT | LOAN AMOUNT | RATE | EST. MONTHLY P&I |
|---|---|---|---|---|
| FHA Loan3.5% DOWN · PRIMARY | $6,122 | $168,779 | 6.13% | $1,026/mo+$70/mo MIP ≈ $1,096 total |
| Conventional5% DOWN · PRIMARY | $8,745 | $166,155 | 6.46% | $1,046/moPMI applies until 20% equity |
| Investment Loan20% DOWN · NON-OWNER | $34,980 | $139,920 | 7.21% | $951/moNo PMI |
| Investment Loan25% DOWN · NON-OWNER | $43,725 | $131,175 | 7.21% | $891/moNo PMI |
Rate estimates are for illustrative purposes only and do not constitute a loan commitment or guarantee of rates. Actual rates, payments, and loan terms will vary based on creditworthiness, lender requirements, and market conditions. Rates shown are approximate as of May 15, 2026. All figures based on a purchase price of $174,900. Buyers should consult a licensed mortgage professional before making any financial decisions. HALAH KABLAN LADSON, BROKER-IN-CHARGE · NC LICENSE NO. 272964 · 704.941.4557 · HALAH@QCMSCHARLOTTE.COM
9519A University Terrace Dr. Charlotte, NC 28262
9605G Vinca Circle works for both. As a primary residence, it offers below-market University City pricing, walkable UNCC access, and Lynx Blue Line connectivity to Uptown. As an investment property, its location within 2 miles of UNC Charlotte — where 2,000+ students are turned away from campus housing annually — supports strong rental demand. QCMS can provide a rental income projection for this specific unit upon request.
The HOA fee at 9605G Vinca Circle is $225 per month. It covers exterior building maintenance, roof, common area landscaping, trash, and hazard insurance for the building envelope. Internet service is included through Spectrum Community Solutions. Water is billed separately and is not included in the HOA fee. The complete HOA packet — including budget, reserve study, bylaws, and rules — is requested as part of the standard offering and reviewed during due diligence before closing.
QCMS is one of the only Charlotte brokerages with dedicated AI agents across every line of business — and Jasmine leads that stack on the listing side. As the AI listing agent for 9605G Vinca Circle, Jasmine is available 24/7 at 704.659.5640 to book showings, answer detailed property questions, provide virtual tours, and guide buyers through the offer process. Harper handles property management and owner inquiries after hours. María serves Spanish-speaking clients. Parker supports UNCC Rooms leasing. While most brokerages still run on voicemail and 9-to-5 office hours, QCMS operates around the clock — because buyers, sellers, and investors don’t make decisions on a business schedule.
