109 Cobblestone CirMorgantownWV26505
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 109 Cobblestone Cir, Morgantown, WV, 26505 in Morgantown at $444,000 earns $2,650/mo in rent and nets $26/mo after the $1,997/mo payment, a 7.16% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $122,669 over five years. Ziffy Mortgage underwrites this on a 1.33 DSCR without U.S. credit history. With $4,089/yr in principal paydown, total projected return reaches $169,510.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.2% |
| Monthly Cash Flow | $26 | $450 |
City averages based on Morgantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,650 |
| Total Monthly Debt Service | $2,447 |
| DSCR Ratio | 1.08x |
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 2003
3,920 sqft lot
$N/A/sqft
$650 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26505, Morgantown, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,140 (100%) |
| Owner Occupied HU | 5,084 (25.2%) |
| Renter Occupied HU | 12,389 (61.5%) |
| Vacant Housing Units | 2,667 (13.2%) |
| Median Home Value | $293,024 |
| Average Home Value | $345,737 |
Housing Distribution
Address Breakdown
Residential
18,392
Single Family
13,304
Multi-Family
5,088
Businesses
1,351
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 2003
3,920 sqft lot
$N/A/sqft
$650 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26505, Morgantown, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,140 (100%) |
| Owner Occupied HU | 5,084 (25.2%) |
| Renter Occupied HU | 12,389 (61.5%) |
| Vacant Housing Units | 2,667 (13.2%) |
| Median Home Value | $293,024 |
| Average Home Value | $345,737 |
Housing Distribution
Address Breakdown
Residential
18,392
Single Family
13,304
Multi-Family
5,088
Businesses
1,351
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: ELIZABETH CILELLA • ALLIANCE REALTY
Mls Name: NCWV REIN
Mls Provider:
Mls ID: #10161298
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 2025-09-11 13:17:34 PDT