114 Sumter AveRansonWV25438
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.18% yield at 114 Sumter Ave, Ranson, WV, 25438 in Ranson is solid, but the $2,189/mo payment compresses net cash flow to $96/mo at $486,775. 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 $134,487 by year five, and $4,483/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.33) without U.S. income documentation. Total projected return: $189,856.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.2% |
| Monthly Cash Flow | $96 | $850 |
City averages based on Ranson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,912 |
| Total Monthly Debt Service | $2,623 |
| DSCR Ratio | 1.11x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25438, Ranson, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,059 (100%) |
| Owner Occupied HU | 1,889 (61.8%) |
| Renter Occupied HU | 910 (29.7%) |
| Vacant Housing Units | 260 ( 8.5%) |
| Median Home Value | $247,073 |
| Average Home Value | $344,698 |
Housing Distribution
Address Breakdown
Residential
3,116
Single Family
2,219
Multi-Family
897
Businesses
275
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25438, Ranson, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,059 (100%) |
| Owner Occupied HU | 1,889 (61.8%) |
| Renter Occupied HU | 910 (29.7%) |
| Vacant Housing Units | 260 ( 8.5%) |
| Median Home Value | $247,073 |
| Average Home Value | $344,698 |
Housing Distribution
Address Breakdown
Residential
3,116
Single Family
2,219
Multi-Family
897
Businesses
275
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Maronda Homes
Mls Name: Maronda Homes
Mls Provider:
Mls ID: #N/A