104 Clement StTerra AltaWV26764
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 104 Clement St, Terra Alta, WV, 26764 in Terra Alta deserves attention. This $169,000 property earns $1,498/mo in rent, a 10.63% gross yield, and nets $520/mo after the $760/mo payment. DSCR 1.97 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $46,692 compounds alongside $1,557/yr in yearly equity build, for a total cumulative return of $97,291.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $520 | $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 | $1,498 |
| Total Monthly Debt Service | $911 |
| DSCR Ratio | 1.65x |
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 2006
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26764, Terra Alta, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,556 (100%) |
| Owner Occupied HU | 1,455 (56.9%) |
| Renter Occupied HU | 405 (15.8%) |
| Vacant Housing Units | 696 (27.2%) |
| Median Home Value | $162,318 |
| Average Home Value | $178,751 |
Housing Distribution
Address Breakdown
Residential
1,904
Single Family
1,904
Multi-Family
0
Businesses
94
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 2006
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26764, Terra Alta, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,556 (100%) |
| Owner Occupied HU | 1,455 (56.9%) |
| Renter Occupied HU | 405 (15.8%) |
| Vacant Housing Units | 696 (27.2%) |
| Median Home Value | $162,318 |
| Average Home Value | $178,751 |
Housing Distribution
Address Breakdown
Residential
1,904
Single Family
1,904
Multi-Family
0
Businesses
94
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NCWV REIN
Mls ID: #10163884