108 Graff LnCharlestonWV25304
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 108 Graff Ln, Charleston, WV, 25304 in Charleston is capital appreciation. Rental yield 3.18%. The 3.18% gross yield at $1,400,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $386,794 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.59) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $220,419.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 9.8% |
| Monthly Cash Flow | $(4,814) | $425 |
City averages based on Charleston market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,704 |
| Total Monthly Debt Service | $7,962 |
| DSCR Ratio | 0.47x |
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 2005
5.60 Acres lot
$N/A/sqft
$900 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25304, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,051 (100%) |
| Owner Occupied HU | 2,230 (55.0%) |
| Renter Occupied HU | 1,332 (32.9%) |
| Vacant Housing Units | 489 (12.1%) |
| Median Home Value | $265,283 |
| Average Home Value | $351,439 |
Housing Distribution
Address Breakdown
Residential
3,935
Single Family
3,489
Multi-Family
446
Businesses
484
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 2005
5.60 Acres lot
$N/A/sqft
$900 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25304, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,051 (100%) |
| Owner Occupied HU | 2,230 (55.0%) |
| Renter Occupied HU | 1,332 (32.9%) |
| Vacant Housing Units | 489 (12.1%) |
| Median Home Value | $265,283 |
| Average Home Value | $351,439 |
Housing Distribution
Address Breakdown
Residential
3,935
Single Family
3,489
Multi-Family
446
Businesses
484
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christie Goldman • Better Homes and Gardens Real Estate Central
Mls Name: KVBR
Mls Provider:
Mls ID: #284404
Disclaimer: Copyright Kanawha Valley Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.