103 Spencer AveSpencerWV25276
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 103 Spencer Ave, Spencer, WV, 25276 in Spencer is capital appreciation. Rental yield 0%. The 0% gross yield at $139,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $38,403 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.00) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $764.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.2% |
| Monthly Cash Flow | $0 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
Single Family
Built in 1900
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25276, Spencer, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,565 (100%) |
| Owner Occupied HU | 2,068 (58.0%) |
| Renter Occupied HU | 913 (25.6%) |
| Vacant Housing Units | 584 (16.4%) |
| Median Home Value | $138,060 |
| Average Home Value | $205,079 |
Housing Distribution
Address Breakdown
Residential
3,322
Single Family
3,229
Multi-Family
93
Businesses
295
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25276, Spencer, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,565 (100%) |
| Owner Occupied HU | 2,068 (58.0%) |
| Renter Occupied HU | 913 (25.6%) |
| Vacant Housing Units | 584 (16.4%) |
| Median Home Value | $138,060 |
| Average Home Value | $205,079 |
Housing Distribution
Address Breakdown
Residential
3,322
Single Family
3,229
Multi-Family
93
Businesses
295
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices