109 Brown StThomasWV26292
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 109 Brown St, Thomas, WV, 26292 in Thomas delivers $2,077/mo in gross rent and $388/mo in net monthly income at a $292,000 entry. The 8.54% yield and 1.58 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $80,674 over five years and $2,689/yr in equity from loan paydown, total projected return is $135,161.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $388 | $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 | $2,077 |
| Total Monthly Debt Service | $1,573 |
| DSCR Ratio | 1.32x |
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 1902
7,187 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26292, Thomas, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 443 (100%) |
| Owner Occupied HU | 238 (53.7%) |
| Renter Occupied HU | 97 (21.9%) |
| Vacant Housing Units | 108 (24.4%) |
| Median Home Value | $134,451 |
| Average Home Value | $142,216 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
63
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 1902
7,187 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26292, Thomas, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 443 (100%) |
| Owner Occupied HU | 238 (53.7%) |
| Renter Occupied HU | 97 (21.9%) |
| Vacant Housing Units | 108 (24.4%) |
| Median Home Value | $134,451 |
| Average Home Value | $142,216 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laird Knight • EXP REALTY
Mls Name: NCWV REIN
Mls Provider:
Mls ID: #10153346
Disclaimer: Data provided by North Central WV Real Estate Information Network, Inc. IDX information is provided exclusively for consumers personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information last updated on 2025-09-18 20:36:34 PDT