112 Cliff CirStaffordVA22556
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.32% yield at 112 Cliff Cir, Stafford, VA, 22556 in Stafford is solid, but the $494/mo payment compresses net cash flow to $197/mo at $109,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $30,363 by year five, and $1,012/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (3.29) without U.S. income documentation. Total projected return: $103,744.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.4% |
| Monthly Cash Flow | $197 | $1,850 |
City averages based on Stafford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,623 |
| Total Monthly Debt Service | $613 |
| DSCR Ratio | 2.65x |
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.
Manufactured
Built in 2010
1,300 sqft lot
$N/A/sqft
No HOA
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
Manufactured
Built in 2010
1,300 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices