1280 Howells Mill RdOnaWV25545
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Ona rental at 1280 Howells Mill Rd, Ona, WV, 25545 sits in the solid-income band: 8.48% gross yield, $2,473/mo rent, $449/mo net after the $1,573/mo debt service, DSCR 1.57. Entry price of $349,900 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 $96,671 and $3,223/yr in principal reduction bring total cumulative return to $161,002.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $449 | $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 | $2,473 |
| Total Monthly Debt Service | $1,885 |
| DSCR Ratio | 1.31x |
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 2020
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25545, Ona, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,107 (100%) |
| Owner Occupied HU | 1,598 (75.8%) |
| Renter Occupied HU | 335 (15.9%) |
| Vacant Housing Units | 174 ( 8.3%) |
| Median Home Value | $234,444 |
| Average Home Value | $257,129 |
Housing Distribution
Address Breakdown
Residential
1,854
Single Family
1,854
Multi-Family
0
Businesses
68
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 2020
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25545, Ona, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,107 (100%) |
| Owner Occupied HU | 1,598 (75.8%) |
| Renter Occupied HU | 335 (15.9%) |
| Vacant Housing Units | 174 ( 8.3%) |
| Median Home Value | $234,444 |
| Average Home Value | $257,129 |
Housing Distribution
Address Breakdown
Residential
1,854
Single Family
1,854
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Todd Nelson • Old Colony, Realtors of Htgn
Mls Name: KVBR
Mls ID: #281841