109 N Jay StMiddleburgVA20117
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.74% gross rental yield, 109 N Jay St, Middleburg, VA, 20117 in Middleburg is priced for capital growth, not immediate cash flow. The $1,195,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $330,156 by year five, with $11,006/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.88) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $296,167.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(2,423) | $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 | $4,721 |
| Total Monthly Debt Service | $6,668 |
| DSCR Ratio | 0.71x |
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.
Townhouse
Built in 2007
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20117, Middleburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,513 (100%) |
| Owner Occupied HU | 922 (60.9%) |
| Renter Occupied HU | 359 (23.7%) |
| Vacant Housing Units | 232 (15.3%) |
| Median Home Value | $1,084,586 |
| Average Home Value | $1,234,829 |
Housing Distribution
Address Breakdown
Residential
1,100
Single Family
1,080
Multi-Family
20
Businesses
29
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
Townhouse
Built in 2007
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20117, Middleburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,513 (100%) |
| Owner Occupied HU | 922 (60.9%) |
| Renter Occupied HU | 359 (23.7%) |
| Vacant Housing Units | 232 (15.3%) |
| Median Home Value | $1,084,586 |
| Average Home Value | $1,234,829 |
Housing Distribution
Address Breakdown
Residential
1,100
Single Family
1,080
Multi-Family
20
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Peter Pejacsevich • Corcoran McEnearney
Mls Name: Bright MLS
Mls ID: #VALO2106802