132 N 21St StreetWheelingWV26003
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 132 N 21St Street, Wheeling, WV, 26003 in Wheeling. At $238,000 it earns $1,764/mo in rent and distributes $387/mo to the owner after the $1,070/mo payment, a consistent 8.89% yield. DSCR 1.65 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $65,755 in value; $2,192/yr in principal paydown compounds ownership stake. Total projected return: $114,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 9.2% |
| Monthly Cash Flow | $387 | $450 |
City averages based on Wheeling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,764 |
| Total Monthly Debt Service | $1,282 |
| DSCR Ratio | 1.38x |
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 1922
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26003, Wheeling, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,420 (100%) |
| Owner Occupied HU | 11,619 (56.9%) |
| Renter Occupied HU | 6,088 (29.8%) |
| Vacant Housing Units | 2,713 (13.3%) |
| Median Home Value | $189,635 |
| Average Home Value | $222,956 |
Housing Distribution
Address Breakdown
Residential
19,377
Single Family
17,124
Multi-Family
2,253
Businesses
1,832
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 1922
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26003, Wheeling, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,420 (100%) |
| Owner Occupied HU | 11,619 (56.9%) |
| Renter Occupied HU | 6,088 (29.8%) |
| Vacant Housing Units | 2,713 (13.3%) |
| Median Home Value | $189,635 |
| Average Home Value | $222,956 |
Housing Distribution
Address Breakdown
Residential
19,377
Single Family
17,124
Multi-Family
2,253
Businesses
1,832
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynn Ullom • Karen Ullom Realty
Mls Name: Wheeling BOR
Mls ID: #139826