1329 Main StWhite Sulphur SpringsWV24986
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1329 Main St, White Sulphur Springs, WV, 24986 in White Sulphur Springs is narrow, $49/mo net on $900/mo rent after the $661/mo debt service, but the property operates at break-even-plus, not a loss. At $147,000 with a 7.35% yield, the long-run equity case via 5% appreciation ($40,613 over five years) and $1,354/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $58,663.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $49 | $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 | $900 |
| Total Monthly Debt Service | $792 |
| DSCR Ratio | 1.14x |
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 1945
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24986, White Sulphur Springs, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,983 (100%) |
| Owner Occupied HU | 1,465 (49.1%) |
| Renter Occupied HU | 582 (19.5%) |
| Vacant Housing Units | 936 (31.4%) |
| Median Home Value | $136,922 |
| Average Home Value | $166,997 |
Housing Distribution
Address Breakdown
Residential
2,293
Single Family
2,285
Multi-Family
8
Businesses
191
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 1945
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24986, White Sulphur Springs, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,983 (100%) |
| Owner Occupied HU | 1,465 (49.1%) |
| Renter Occupied HU | 582 (19.5%) |
| Vacant Housing Units | 936 (31.4%) |
| Median Home Value | $136,922 |
| Average Home Value | $166,997 |
Housing Distribution
Address Breakdown
Residential
2,293
Single Family
2,285
Multi-Family
8
Businesses
191
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Thomas Johnson • COLDWELL BANKER STUART & WATTS
Mls Name: Beckley BOR
Mls Provider:
Mls ID: #84572
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.