156 Raphael CtMartinsburgWV25403
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 156 Raphael Ct, Martinsburg, WV, 25403 in Martinsburg is capital appreciation. Rental yield 0%. The 0% gross yield at $269,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $74,568 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.70) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $128,912.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 5.2% |
| Monthly Cash Flow | $0 | $420 |
City averages based on Martinsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,063 |
| Total Monthly Debt Service | $1,541 |
| DSCR Ratio | 1.34x |
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.
Townhouse
Built in 2005
4,674 sqft lot
$N/A/sqft
$25 monthly HOA
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
Townhouse
Built in 2005
4,674 sqft lot
$N/A/sqft
$25 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gavin Washington • Weichert Realtors - Blue Ribbon
Mls Name: Bright MLS
Mls Provider:
Mls ID: #WVBE2039380
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