101 Moriah DrCross LanesWV25313
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play101 Moriah Dr, Cross Lanes, WV, 25313 in Cross Lanes is priced for appreciation, not yield. Rental yield 2.95%. At $1,460,000 with a 2.95% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $403,371 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.55) 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: $235,262.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(4,911) | $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 | $3,595 |
| Total Monthly Debt Service | $7,925 |
| DSCR Ratio | 0.45x |
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 1995
23.85 Acres lot
$N/A/sqft
$700 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25313, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,917 (100%) |
| Owner Occupied HU | 3,709 (62.7%) |
| Renter Occupied HU | 1,543 (26.1%) |
| Vacant Housing Units | 665 (11.2%) |
| Median Home Value | $200,142 |
| Average Home Value | $271,939 |
Housing Distribution
Address Breakdown
Residential
5,698
Single Family
5,276
Multi-Family
422
Businesses
312
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 1995
23.85 Acres lot
$N/A/sqft
$700 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25313, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,917 (100%) |
| Owner Occupied HU | 3,709 (62.7%) |
| Renter Occupied HU | 1,543 (26.1%) |
| Vacant Housing Units | 665 (11.2%) |
| Median Home Value | $200,142 |
| Average Home Value | $271,939 |
Housing Distribution
Address Breakdown
Residential
5,698
Single Family
5,276
Multi-Family
422
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Natalie Cowley • Old Colony
Mls Name: KVBR
Mls Provider:
Mls ID: #275586
Disclaimer: Copyright Kanawha Valley Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.