12275 Route 20 South RdRock CaveWV26234
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Rock Cave rental at 12275 Route 20 South Rd, Rock Cave, WV, 26234 sits in the solid-income band: 8.07% gross yield, $1,648/mo rent, $230/mo net after the $1,102/mo debt service, DSCR 1.50. Entry price of $245,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $67,689 and $2,256/yr in principal reduction bring total cumulative return to $107,296.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $230 | $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 | $1,648 |
| Total Monthly Debt Service | $1,320 |
| DSCR Ratio | 1.25x |
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 2017
3.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26234, Rock Cave, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 531 (100%) |
| Owner Occupied HU | 382 (71.9%) |
| Renter Occupied HU | 46 ( 8.7%) |
| Vacant Housing Units | 103 (19.4%) |
| Median Home Value | $184,091 |
| Average Home Value | $200,694 |
Housing Distribution
Address Breakdown
Residential
456
Single Family
456
Multi-Family
0
Businesses
14
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 2017
3.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26234, Rock Cave, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 531 (100%) |
| Owner Occupied HU | 382 (71.9%) |
| Renter Occupied HU | 46 ( 8.7%) |
| Vacant Housing Units | 103 (19.4%) |
| Median Home Value | $184,091 |
| Average Home Value | $200,694 |
Housing Distribution
Address Breakdown
Residential
456
Single Family
456
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Letitia Johnson • PROPST REALTY
Mls Name: NCWV REIN
Mls Provider:
Mls ID: #10157039
Disclaimer: Data provided by North Central WV Real Estate Information Network, Inc. IDX information is provided exclusively for consumers personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information last updated on 2025-02-18 10:13:48 PST