1081 E Gretna RdGretnaVA24557
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1081 E Gretna Rd, Gretna, VA, 24557 in Gretna is narrow, $94/mo net on $1,469/mo rent after the $1,034/mo debt service, but the property operates at break-even-plus, not a loss. At $229,900 with a 7.67% yield, the long-run equity case via 5% appreciation ($63,517 over five years) and $2,117/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $93,049.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $94 | $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 | $1,469 |
| Total Monthly Debt Service | $1,283 |
| DSCR Ratio | 1.15x |
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 1952
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24557, Gretna, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,812 (100%) |
| Owner Occupied HU | 2,466 (64.7%) |
| Renter Occupied HU | 817 (21.4%) |
| Vacant Housing Units | 529 (13.9%) |
| Median Home Value | $130,124 |
| Average Home Value | $166,033 |
Housing Distribution
Address Breakdown
Residential
3,090
Single Family
3,090
Multi-Family
0
Businesses
166
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 1952
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24557, Gretna, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,812 (100%) |
| Owner Occupied HU | 2,466 (64.7%) |
| Renter Occupied HU | 817 (21.4%) |
| Vacant Housing Units | 529 (13.9%) |
| Median Home Value | $130,124 |
| Average Home Value | $166,033 |
Housing Distribution
Address Breakdown
Residential
3,090
Single Family
3,090
Multi-Family
0
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices