138 Pine StSummersvilleWV26651
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 138 Pine St, Summersville, WV, 26651 in Summersville at $149,500 earns $941/mo in rent and nets $76/mo after the $672/mo payment, a 7.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,304 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $1,377/yr in principal paydown, total projected return reaches $61,344.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $76 | $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 | $941 |
| Total Monthly Debt Service | $806 |
| DSCR Ratio | 1.17x |
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 1930
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26651, Summersville, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,443 (100%) |
| Owner Occupied HU | 2,876 (64.7%) |
| Renter Occupied HU | 982 (22.1%) |
| Vacant Housing Units | 585 (13.2%) |
| Median Home Value | $161,969 |
| Average Home Value | $224,848 |
Housing Distribution
Address Breakdown
Residential
4,001
Single Family
3,894
Multi-Family
107
Businesses
515
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 1930
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26651, Summersville, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,443 (100%) |
| Owner Occupied HU | 2,876 (64.7%) |
| Renter Occupied HU | 982 (22.1%) |
| Vacant Housing Units | 585 (13.2%) |
| Median Home Value | $161,969 |
| Average Home Value | $224,848 |
Housing Distribution
Address Breakdown
Residential
4,001
Single Family
3,894
Multi-Family
107
Businesses
515
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Garrett E Cole • Lakewood Real Estate Service, LLC
Mls Name: Fayette-Nicholas BOR
Mls ID: #25-419
Disclaimer: Copyright Fayette-Nicholas Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.