0 Cartersville RdCumberlandVA23027
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play0 Cartersville Rd, Cumberland, VA, 23027 in Cumberland is priced for appreciation, not yield. Rental yield 5.71%. At $434,950 with a 5.71% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $120,169 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.06) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $130,478.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.2% |
| Monthly Cash Flow | $(529) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,071 |
| Total Monthly Debt Service | $2,427 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2025
4.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23027, Cartersville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 727 (100%) |
| Owner Occupied HU | 520 (71.5%) |
| Renter Occupied HU | 140 (19.3%) |
| Vacant Housing Units | 67 ( 9.2%) |
| Median Home Value | $354,839 |
| Average Home Value | $475,856 |
Housing Distribution
Address Breakdown
Residential
641
Single Family
641
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2025
4.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23027, Cartersville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 727 (100%) |
| Owner Occupied HU | 520 (71.5%) |
| Renter Occupied HU | 140 (19.3%) |
| Vacant Housing Units | 67 ( 9.2%) |
| Median Home Value | $354,839 |
| Average Home Value | $475,856 |
Housing Distribution
Address Breakdown
Residential
641
Single Family
641
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cory Metts • Hometown Realty
Mls Name: CVRMLS
Mls ID: #2528941