12509 Tower Hill RdMidlandVA22728
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 12509 Tower Hill Rd, Midland, VA, 22728 in Midland: $2,952/mo in rent, $263/mo in net income, 7.87% gross yield, 1.46 DSCR, all at $449,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $124,299 in appreciation and $4,144/yr in principal paydown projects total cumulative return of $187,083.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $263 | $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 | $2,952 |
| Total Monthly Debt Service | $2,510 |
| DSCR Ratio | 1.18x |
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 1994
4.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22728, Midland, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,305 (100%) |
| Owner Occupied HU | 1,057 (81.0%) |
| Renter Occupied HU | 190 (14.6%) |
| Vacant Housing Units | 58 ( 4.4%) |
| Median Home Value | $652,714 |
| Average Home Value | $756,062 |
Housing Distribution
Address Breakdown
Residential
1,274
Single Family
1,274
Multi-Family
0
Businesses
48
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 1994
4.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22728, Midland, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,305 (100%) |
| Owner Occupied HU | 1,057 (81.0%) |
| Renter Occupied HU | 190 (14.6%) |
| Vacant Housing Units | 58 ( 4.4%) |
| Median Home Value | $652,714 |
| Average Home Value | $756,062 |
Housing Distribution
Address Breakdown
Residential
1,274
Single Family
1,274
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices