129 Sapphire St Homesite 2352StephensonVA22656
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 129 Sapphire St Homesite 2352, Stephenson, VA, 22656 in Stephenson at $435,490 earns $2,760/mo in rent and nets $157/mo after the $2,064/mo payment, a 7.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $120,318 over five years. Ziffy Mortgage underwrites this on a 1.34 DSCR without U.S. credit history. With $3,651/yr in principal paydown, total projected return reaches $166,698.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $157 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $2,536 |
| DSCR Ratio | 1.09x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in N/A
N/A lot
$N/A/sqft
No HOA
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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
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Listed by: N/A • N/A
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Mls ID: #N/A
