Charlotte · North Carolina
1935 West
Trade Street
A furnished, income-producing townhome in Biddleville–Smallwood, minutes from Uptown — with the earnings history to prove it.
Offered at $565,000
- 3Bedrooms
- 4Bathrooms
- 1,715Square Feet
- 2022Year Built
- 4Stories + Rooftop
The Residence
Turn-key today.
Cash-flowing tomorrow.
Built in 2022 and operated as Charlotte's Oasis, this four-story townhome arrives fully furnished, professionally designed, and already proven as a short-term rental. Wide-plank hardwoods, quartz counters, and a private rooftop terrace with a built-in gas fire pit — nothing to renovate, nothing to furnish, nothing to guess.
Walkable to Johnson C. Smith University, the Gold Line streetcar, local restaurants and breweries — minutes to Uptown and the South End arts district, the address sits in one of Charlotte's fastest-appreciating corridors.
Gallery
Inside the Residence
Professional photography and 3D virtual tour available on request.
Specifications
The Details
Interior
- Bedrooms
- 3
- Bathrooms
- 3 full · 1 half
- Living area
- 1,715 sq ft
- Flooring
- Wide-plank hardwood
- Kitchen
- Custom cabinetry, quartz, tile backsplash
- Furnishings
- All convey — designer package
Exterior & Construction
- Year built
- 2022
- Stories
- 4 + rooftop terrace
- Garage
- 2-car attached
- Roof & HVAC
- 2022 — like new
- Heating
- Heat pump, zoned AC
- Utilities
- City water & sewer, natural gas
Area & Lot
- Neighborhood
- Biddleville–Smallwood
- Lot size
- 871 sq ft
- Transit
- Gold Line ¼ mile
- Uptown
- 10 minutes
- Grounds
- Lawn care included
- Outdoor
- Rooftop terrace with gas fire pit
Financial
- List price
- $565,000
- HOA
- $214 / month
- Zoning
- B-1 — STR friendly
- Status
- Operating short-term rental
- Income history
- 13 months on record
- Financing
- DSCR eligible
Track Record
Proven Rental Performance
Not a projection — the actual Airbnb earnings record of this residence, operating as Charlotte's Oasis, October 2024 through November 2025.
- $37,049Gross earnings13.5-month period
- $35,856Net to hostAfter fees & adjustments
- 121Nights booked3.2-night average stay
- $306Avg. gross / nightPremium 3BR rate
View as table
| Month | Gross earnings |
|---|---|
| Nov 2024 | $3,349 |
| Dec 2024 | $1,557 |
| Jan 2025 | $1,657 |
| Feb 2025 | $2,058 |
| Mar 2025 | $3,337 |
| Apr 2025 | $3,371 |
| May 2025 | $2,503 |
| Jun 2025 | $5,064 |
| Jul 2025 | $4,379 |
| Aug 2025 | $1,381 |
| Sep 2025 | $4,892 |
| Oct 2025 | $3,018 |
Historical earnings reflect the prior owner-operator's results and are provided for information only. Past performance does not guarantee future income. Buyers should verify all figures and perform independent analysis.
Tax Advantage
Deduct it now — permanently.
The One Big Beautiful Bill Act restored 100% bonus depreciation and removed the phase-down that was set to retire it. Qualifying property — furnishings, appliances, land improvements, and other assets with a recovery period of 20 years or less — may be deducted in full in the year it is placed in service.
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Furnished from day one
This residence conveys with its designer furnishing package. Furniture and appliances typically fall into 5- and 7-year classes — among the shortest recovery periods the deduction reaches.
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Pairs with cost segregation
A cost segregation study reclassifies portions of the purchase price into shorter-life categories, moving a meaningful share of basis into the first-year deduction.
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No deadline to race
With the step-down schedule and the 2027 placed-in-service deadline both removed, this is a durable input to underwriting rather than a use-it-or-lose-it window.
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New or used both qualify
The allowance applies to previously used property as well as new, so a turnkey acquisition qualifies on the same terms as a value-add project.
This is general information, not tax advice. Eligibility and the amount deductible depend on your tax position, how the property is used, and a qualified cost segregation analysis. Consult your CPA or tax advisor before relying on any figure here. Neither the listing agent nor the lender provides tax advice.
Financing
Qualify on the property's income — not your income
This residence is eligible for DSCR (Debt-Service Coverage Ratio) financing — an investor loan underwritten on the property's rental income rather than your personal income. No tax returns. No W-2s. No personal income verification.
Preferred-lender introductions are available on request; buyers are free to finance with any lender of their choosing.
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Qualify on rental incomeUnderwritten against the property's earning power — ideal for self-employed and portfolio investors.
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30-year fixed optionsLong-term, predictable debt service on purchase, refinance, or cash-out.
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Loan amounts to $2MRoom to scale into larger deals as your portfolio grows.
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Single-family through 4-unitCondos and PUDs eligible — this townhome qualifies.
Location
Biddleville–Smallwood
Charlotte's historic west-side corridor, minutes from everything that drives guest demand.
Walk & Ride
- Johnson C. Smith University — walking distance
- Gold Line streetcar — ¼ mile
- Uptown Charlotte — 10 minutes
- South End arts district — 5 minutes
- Irwin & Stewart Creek greenways nearby
Why Guests Book Here
- Year-round visitor demand — sports, banking, university
- Corporate relocation hub for extended stays
- Restaurants, breweries & coffee within blocks
- Limited 3-bedroom townhome inventory nearby
- Private rooftop terrace guests rebook for
Inquire
Ready to see it?
Private showings, the full earnings report, and detailed financial analysis are available to qualified buyers.
Michelle Moyer Thula
Lender · Impact Lending Group
We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Whitley Stewart
REALTOR® · The Agency
Bring your questions on the numbers, the neighborhood, or the short-term rental permitting — happy to walk through any of it before you tour.