1217 Payne AveDunbarWV25064
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1217 Payne Ave, Dunbar, WV, 25064 in Dunbar. At $119,900 it earns $927/mo in rent and distributes $233/mo to the owner after the $539/mo payment, a consistent 9.28% yield. DSCR 1.72 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $33,126 in value; $1,104/yr in principal paydown compounds ownership stake. Total projected return: $60,324.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $233 | $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 | $927 |
| Total Monthly Debt Service | $646 |
| DSCR Ratio | 1.43x |
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 1921
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25064, Dunbar, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,961 (100%) |
| Owner Occupied HU | 2,459 (49.6%) |
| Renter Occupied HU | 1,805 (36.4%) |
| Vacant Housing Units | 697 (14.0%) |
| Median Home Value | $129,252 |
| Average Home Value | $180,451 |
Housing Distribution
Address Breakdown
Residential
4,821
Single Family
4,262
Multi-Family
559
Businesses
346
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 1921
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25064, Dunbar, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,961 (100%) |
| Owner Occupied HU | 2,459 (49.6%) |
| Renter Occupied HU | 1,805 (36.4%) |
| Vacant Housing Units | 697 (14.0%) |
| Median Home Value | $129,252 |
| Average Home Value | $180,451 |
Housing Distribution
Address Breakdown
Residential
4,821
Single Family
4,262
Multi-Family
559
Businesses
346
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kim Wade • Better Homes and Gardens Real Estate Central
Mls Name: KVBR
Mls ID: #281853