14101 Spreading Oak CtMidlothianVA23112
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 14101 Spreading Oak Ct, Midlothian, VA, 23112 in Midlothian, $399,900, 7.99% gross yield, $195/mo net income. Consider it a market-entry position, the $2,664/mo rent covers the $1,798/mo payment with a margin, and 5%/yr appreciation is projected to add $110,485 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.48) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $164,209.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.8% |
| Monthly Cash Flow | $195 | $1,850 |
City averages based on Midlothian market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,664 |
| Total Monthly Debt Service | $2,310 |
| DSCR Ratio | 1.15x |
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 1983
0.27 Acres lot
$N/A/sqft
$222 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23112, Midlothian, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,731 (100%) |
| Owner Occupied HU | 16,951 (78.0%) |
| Renter Occupied HU | 4,258 (19.6%) |
| Vacant Housing Units | 522 ( 2.4%) |
| Median Home Value | $401,387 |
| Average Home Value | $467,228 |
Housing Distribution
Address Breakdown
Residential
22,511
Single Family
20,955
Multi-Family
1,556
Businesses
1,626
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 1983
0.27 Acres lot
$N/A/sqft
$222 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23112, Midlothian, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,731 (100%) |
| Owner Occupied HU | 16,951 (78.0%) |
| Renter Occupied HU | 4,258 (19.6%) |
| Vacant Housing Units | 522 ( 2.4%) |
| Median Home Value | $401,387 |
| Average Home Value | $467,228 |
Housing Distribution
Address Breakdown
Residential
22,511
Single Family
20,955
Multi-Family
1,556
Businesses
1,626
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brooke Ireland • Shaheen Ruth Martin & Fonville
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2515291
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.