1006 White Oak RdFredericksburgVA22405
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1006 White Oak Rd, Fredericksburg, VA, 22405 in Fredericksburg speaks for itself: 19.41% gross on a $172,579 price, generating $2,791/mo in rent and $1,637/mo in net income after the $776/mo debt service. DSCR 3.60, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $19,639 stacks alongside $47,680 in projected five-year appreciation and $1,589/yr in principal reduction. Projected total cumulative return: $171,174.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.4% | 5.8% |
| Monthly Cash Flow | $1,637 | $450 |
City averages based on Fredericksburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,791 |
| Total Monthly Debt Service | $1,086 |
| DSCR Ratio | 2.57x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1900
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22405, Fredericksburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,368 (100%) |
| Owner Occupied HU | 10,716 (80.2%) |
| Renter Occupied HU | 2,184 (16.3%) |
| Vacant Housing Units | 468 ( 3.5%) |
| Median Home Value | $471,593 |
| Average Home Value | $518,175 |
Housing Distribution
Address Breakdown
Residential
12,750
Single Family
12,570
Multi-Family
180
Businesses
629
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 1900
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22405, Fredericksburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,368 (100%) |
| Owner Occupied HU | 10,716 (80.2%) |
| Renter Occupied HU | 2,184 (16.3%) |
| Vacant Housing Units | 468 ( 3.5%) |
| Median Home Value | $471,593 |
| Average Home Value | $518,175 |
Housing Distribution
Address Breakdown
Residential
12,750
Single Family
12,570
Multi-Family
180
Businesses
629
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A