165 Fitzpatrick RdBuckinghamVA23921
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.39% gross rental yield, 165 Fitzpatrick Rd, Buckingham, VA, 23921 in Buckingham is priced for capital growth, not immediate cash flow. The $375,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $103,606 by year five, with $3,454/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.81) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $85,784.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(871) | $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 | $1,370 |
| Total Monthly Debt Service | $2,092 |
| DSCR Ratio | 0.65x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1978
20.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23921, Buckingham, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,170 (100%) |
| Owner Occupied HU | 692 (59.1%) |
| Renter Occupied HU | 226 (19.3%) |
| Vacant Housing Units | 252 (21.5%) |
| Median Home Value | $212,987 |
| Average Home Value | $237,825 |
Housing Distribution
Address Breakdown
Residential
893
Single Family
893
Multi-Family
0
Businesses
60
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 1978
20.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23921, Buckingham, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,170 (100%) |
| Owner Occupied HU | 692 (59.1%) |
| Renter Occupied HU | 226 (19.3%) |
| Vacant Housing Units | 252 (21.5%) |
| Median Home Value | $212,987 |
| Average Home Value | $237,825 |
Housing Distribution
Address Breakdown
Residential
893
Single Family
893
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: KEVIN QUICK • RE/MAX REALTY SPECIALISTS-CHARLOTTESVILLE
Mls Name: CAAR
Mls Provider:
Mls ID: #666453