15 Surry StHeathsvilleVA22473
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow15 Surry St, Heathsville, VA, 22473 in Heathsville is a top-tier cash-flow asset. At $300,000 it produces $3,628/mo in rent and $1,818/mo in net monthly income, a 14.51% gross rental yield. The DSCR of 2.69 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $21,811. Five-year appreciation adds $82,884, driving a total cumulative return of $230,560.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.5% | 6.2% |
| Monthly Cash Flow | $1,818 | $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 | $3,628 |
| Total Monthly Debt Service | $1,691 |
| DSCR Ratio | 2.15x |
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 1994
0.78 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22473, Heathsville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,005 (100%) |
| Owner Occupied HU | 2,168 (54.1%) |
| Renter Occupied HU | 308 ( 7.7%) |
| Vacant Housing Units | 1,529 (38.2%) |
| Median Home Value | $363,682 |
| Average Home Value | $428,539 |
Housing Distribution
Address Breakdown
Residential
2,780
Single Family
2,752
Multi-Family
28
Businesses
120
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 1994
0.78 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22473, Heathsville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,005 (100%) |
| Owner Occupied HU | 2,168 (54.1%) |
| Renter Occupied HU | 308 ( 7.7%) |
| Vacant Housing Units | 1,529 (38.2%) |
| Median Home Value | $363,682 |
| Average Home Value | $428,539 |
Housing Distribution
Address Breakdown
Residential
2,780
Single Family
2,752
Multi-Family
28
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert Nolting Jr • Middle Bay Realty - B
Mls Name: Northern Neck AOR
Mls ID: #118697
Disclaimer: Copyright Northern Neck Association of Realtors. All rights reserved. Listing information is deemed reliable, but not guaranteed.