127 Ferndale DrLouisaVA23093
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 127 Ferndale Dr, Louisa, VA, 23093 in Louisa: $2,526/mo in rent, $733/mo net, 10.11% gross yield, all on a $299,900 acquisition. The 1.87 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $82,857 in value, and $2,762/yr in principal paydown steadily builds equity. Projected total cumulative return: $160,651.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $733 | $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 | $2,526 |
| Total Monthly Debt Service | $1,673 |
| DSCR Ratio | 1.51x |
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 2005
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23093, Louisa, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,475 (100%) |
| Owner Occupied HU | 4,481 (69.2%) |
| Renter Occupied HU | 1,320 (20.4%) |
| Vacant Housing Units | 674 (10.4%) |
| Median Home Value | $293,370 |
| Average Home Value | $342,671 |
Housing Distribution
Address Breakdown
Residential
6,052
Single Family
6,010
Multi-Family
42
Businesses
379
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 2005
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23093, Louisa, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,475 (100%) |
| Owner Occupied HU | 4,481 (69.2%) |
| Renter Occupied HU | 1,320 (20.4%) |
| Vacant Housing Units | 674 (10.4%) |
| Median Home Value | $293,370 |
| Average Home Value | $342,671 |
Housing Distribution
Address Breakdown
Residential
6,052
Single Family
6,010
Multi-Family
42
Businesses
379
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices