1194 Valley View RdHarpers FerryWV25425
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 1194 Valley View Rd, Harpers Ferry, WV, 25425 in Harpers Ferry delivers $3,191/mo in gross rent and $876/mo in net monthly income at a $400,000 entry. The 9.57% yield and 1.77 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $110,513 over five years and $3,684/yr in equity from loan paydown, total projected return is $207,394.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.2% |
| Monthly Cash Flow | $876 | $1,250 |
City averages based on Harpers Ferry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,191 |
| Total Monthly Debt Service | $2,155 |
| DSCR Ratio | 1.48x |
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 2004
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25425, Harpers Ferry, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,093 (100%) |
| Owner Occupied HU | 4,517 (74.1%) |
| Renter Occupied HU | 830 (13.6%) |
| Vacant Housing Units | 746 (12.2%) |
| Median Home Value | $348,409 |
| Average Home Value | $381,230 |
Housing Distribution
Address Breakdown
Residential
5,399
Single Family
3,903
Multi-Family
1,496
Businesses
150
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 2004
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25425, Harpers Ferry, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,093 (100%) |
| Owner Occupied HU | 4,517 (74.1%) |
| Renter Occupied HU | 830 (13.6%) |
| Vacant Housing Units | 746 (12.2%) |
| Median Home Value | $348,409 |
| Average Home Value | $381,230 |
Housing Distribution
Address Breakdown
Residential
5,399
Single Family
3,903
Multi-Family
1,496
Businesses
150
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #WVJF2021666