112 Pine Creek DrHamptonVA23669
INVESTMENT ANALYSIS
Investment Verdict
Solid Income112 Pine Creek Dr, Hampton, VA, 23669 in Hampton earns a respectable 8.03% gross yield at $335,000, but after the $1,506/mo mortgage the net cash flow is $197/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.49) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $92,554 over five years, making equity the dominant return driver. Total projected return: $142,069.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 4.2% |
| Monthly Cash Flow | $197 | $850 |
City averages based on Hampton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,240 |
| Total Monthly Debt Service | $1,869 |
| DSCR Ratio | 1.20x |
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 1990
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23669, Hampton, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,491 (100%) |
| Owner Occupied HU | 10,118 (54.7%) |
| Renter Occupied HU | 7,002 (37.9%) |
| Vacant Housing Units | 1,371 ( 7.4%) |
| Median Home Value | $283,061 |
| Average Home Value | $305,229 |
Housing Distribution
Address Breakdown
Residential
17,739
Single Family
15,766
Multi-Family
1,973
Businesses
777
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 1990
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23669, Hampton, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,491 (100%) |
| Owner Occupied HU | 10,118 (54.7%) |
| Renter Occupied HU | 7,002 (37.9%) |
| Vacant Housing Units | 1,371 ( 7.4%) |
| Median Home Value | $283,061 |
| Average Home Value | $305,229 |
Housing Distribution
Address Breakdown
Residential
17,739
Single Family
15,766
Multi-Family
1,973
Businesses
777
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices