103 Black Oak DrWilliamsburgVA23185
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 103 Black Oak Dr, Williamsburg, VA, 23185 in Williamsburg at $755,000 earns $4,650/mo in rent and nets $137/mo after the $3,395/mo payment, a 7.39% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $208,593 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $6,954/yr in principal paydown, total projected return reaches $294,434.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.8% |
| Monthly Cash Flow | $137 | $1,850 |
City averages based on Williamsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,650 |
| Total Monthly Debt Service | $4,213 |
| DSCR Ratio | 1.10x |
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 1968
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23185, Williamsburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,416 (100%) |
| Owner Occupied HU | 14,446 (61.7%) |
| Renter Occupied HU | 6,571 (28.1%) |
| Vacant Housing Units | 2,399 (10.2%) |
| Median Home Value | $462,783 |
| Average Home Value | $556,229 |
Housing Distribution
Address Breakdown
Residential
21,874
Single Family
19,466
Multi-Family
2,408
Businesses
1,505
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 1968
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23185, Williamsburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,416 (100%) |
| Owner Occupied HU | 14,446 (61.7%) |
| Renter Occupied HU | 6,571 (28.1%) |
| Vacant Housing Units | 2,399 (10.2%) |
| Median Home Value | $462,783 |
| Average Home Value | $556,229 |
Housing Distribution
Address Breakdown
Residential
21,874
Single Family
19,466
Multi-Family
2,408
Businesses
1,505
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marivi Garrison • Coldwell Banker Traditions
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2423868
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.