13108 Tyus RdStony CreekVA23882
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 13108 Tyus Rd, Stony Creek, VA, 23882 in Stony Creek at $219,000 earns $930/mo in rent and nets $192/mo after the $985/mo payment, a 9.04% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,506 over five years. Ziffy Mortgage underwrites this on a 0.94 DSCR without U.S. credit history. With $2,017/yr in principal paydown, total projected return reaches $58,438.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $192 | $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 | $930 |
| Total Monthly Debt Service | $1,222 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1970
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23882, Stony Creek, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,144 (100%) |
| Owner Occupied HU | 787 (68.8%) |
| Renter Occupied HU | 202 (17.7%) |
| Vacant Housing Units | 155 (13.5%) |
| Median Home Value | $218,829 |
| Average Home Value | $243,046 |
Housing Distribution
Address Breakdown
Residential
1,013
Single Family
1,013
Multi-Family
0
Businesses
82
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 1970
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23882, Stony Creek, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,144 (100%) |
| Owner Occupied HU | 787 (68.8%) |
| Renter Occupied HU | 202 (17.7%) |
| Vacant Housing Units | 155 (13.5%) |
| Median Home Value | $218,829 |
| Average Home Value | $243,046 |
Housing Distribution
Address Breakdown
Residential
1,013
Single Family
1,013
Multi-Family
0
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joyce Cooper • Cooper Realty Group LLC
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2516047
Disclaimer: All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listing s. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are 2025 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.