1 Lonicera WayCharlottesvilleVA22911
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1 Lonicera Way, Charlottesville, VA, 22911 in Charlottesville the bet is firmly on appreciation. Rental yield 4.88%. The 4.88% gross yield on a $764,000 price is below income-first thresholds, but 5%/yr value growth projects $211,079 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.90) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $195,162.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 5.2% |
| Monthly Cash Flow | $(1,459) | $1,250 |
City averages based on Charlottesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,108 |
| Total Monthly Debt Service | $4,263 |
| DSCR Ratio | 0.73x |
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
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22911, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,736 (100%) |
| Owner Occupied HU | 5,692 (58.5%) |
| Renter Occupied HU | 3,407 (35.0%) |
| Vacant Housing Units | 637 ( 6.5%) |
| Median Home Value | $474,189 |
| Average Home Value | $527,718 |
Housing Distribution
Address Breakdown
Residential
9,534
Single Family
7,230
Multi-Family
2,304
Businesses
736
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
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22911, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,736 (100%) |
| Owner Occupied HU | 5,692 (58.5%) |
| Renter Occupied HU | 3,407 (35.0%) |
| Vacant Housing Units | 637 ( 6.5%) |
| Median Home Value | $474,189 |
| Average Home Value | $527,718 |
Housing Distribution
Address Breakdown
Residential
9,534
Single Family
7,230
Multi-Family
2,304
Businesses
736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tom Ridley • LORING WOODRIFF REAL ESTATE ASSOCIATES
Mls Name: CAAR
Mls Provider:
Mls ID: #650432
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.