0 High Bank RdWhite StoneVA22578
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 0 High Bank Rd, White Stone, VA, 22578 in White Stone offers a clean, manageable entry. Rental yield 6.87%. DSCR 1.27 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $165,493 in additional property value over five years, with $5,517/yr in principal equity building ownership stake. Total projected cumulative return: $199,492.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(441) | $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 | $3,428 |
| Total Monthly Debt Service | $3,631 |
| DSCR Ratio | 0.94x |
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 2023
6,926 sqft lot
$N/A/sqft
$3,465 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22578, White Stone, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,930 (100%) |
| Owner Occupied HU | 994 (51.5%) |
| Renter Occupied HU | 209 (10.8%) |
| Vacant Housing Units | 727 (37.7%) |
| Median Home Value | $531,128 |
| Average Home Value | $607,342 |
Housing Distribution
Address Breakdown
Residential
1,377
Single Family
1,377
Multi-Family
0
Businesses
130
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 2023
6,926 sqft lot
$N/A/sqft
$3,465 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22578, White Stone, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,930 (100%) |
| Owner Occupied HU | 994 (51.5%) |
| Renter Occupied HU | 209 (10.8%) |
| Vacant Housing Units | 727 (37.7%) |
| Median Home Value | $531,128 |
| Average Home Value | $607,342 |
Housing Distribution
Address Breakdown
Residential
1,377
Single Family
1,377
Multi-Family
0
Businesses
130
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tom Stanley • Joyner Fine Properties
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2327890
Disclaimer: All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listing s. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are 2023 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.