1968 Fruit Plain RdCallaoVA22435
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 1968 Fruit Plain Rd, Callao, VA, 22435 in Callao offers a clean, manageable entry. Rental yield 6.37%. DSCR 1.18 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $62,163 in additional property value over five years, with $2,072/yr in principal equity building ownership stake. Total projected cumulative return: $75,420.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.2% |
| Monthly Cash Flow | $(151) | $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 | $1,194 |
| Total Monthly Debt Service | $1,255 |
| DSCR Ratio | 0.95x |
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 1950
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22435, Callao, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,246 (100%) |
| Owner Occupied HU | 786 (63.1%) |
| Renter Occupied HU | 181 (14.5%) |
| Vacant Housing Units | 279 (22.4%) |
| Median Home Value | $231,250 |
| Average Home Value | $336,307 |
Housing Distribution
Address Breakdown
Residential
860
Single Family
853
Multi-Family
7
Businesses
99
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 1950
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22435, Callao, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,246 (100%) |
| Owner Occupied HU | 786 (63.1%) |
| Renter Occupied HU | 181 (14.5%) |
| Vacant Housing Units | 279 (22.4%) |
| Median Home Value | $231,250 |
| Average Home Value | $336,307 |
Housing Distribution
Address Breakdown
Residential
860
Single Family
853
Multi-Family
7
Businesses
99
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Melissa L. Bradley • Shore Realty, Inc.
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2426485
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 2023 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.