138 Tinkling Spring RdFishersvilleVA22939
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 138 Tinkling Spring Rd, Fishersville, VA, 22939 in Fishersville is narrow, $118/mo net on $2,239/mo rent after the $1,596/mo debt service, but the property operates at break-even-plus, not a loss. At $354,900 with a 7.57% yield, the long-run equity case via 5% appreciation ($98,052 over five years) and $3,269/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $141,800.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $118 | $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 | $2,239 |
| Total Monthly Debt Service | $1,980 |
| DSCR Ratio | 1.13x |
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 1965
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22939, Fishersville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,912 (100%) |
| Owner Occupied HU | 2,006 (68.9%) |
| Renter Occupied HU | 732 (25.1%) |
| Vacant Housing Units | 174 ( 6.0%) |
| Median Home Value | $347,668 |
| Average Home Value | $479,605 |
Housing Distribution
Address Breakdown
Residential
2,762
Single Family
2,694
Multi-Family
68
Businesses
370
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 1965
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22939, Fishersville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,912 (100%) |
| Owner Occupied HU | 2,006 (68.9%) |
| Renter Occupied HU | 732 (25.1%) |
| Vacant Housing Units | 174 ( 6.0%) |
| Median Home Value | $347,668 |
| Average Home Value | $479,605 |
Housing Distribution
Address Breakdown
Residential
2,762
Single Family
2,694
Multi-Family
68
Businesses
370
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CAAR
Mls ID: #673797