2 Lovely Valley RdWirtzVA24184
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2 Lovely Valley Rd, Wirtz, VA, 24184 in Wirtz at $350,000 earns $2,230/mo in rent and nets $137/mo after the $1,574/mo payment, a 7.64% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $96,699 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $3,224/yr in principal paydown, total projected return reaches $141,247.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $137 | $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 | $2,230 |
| Total Monthly Debt Service | $1,953 |
| DSCR Ratio | 1.14x |
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 2025
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24184, Wirtz, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,337 (100%) |
| Owner Occupied HU | 1,573 (67.3%) |
| Renter Occupied HU | 270 (11.6%) |
| Vacant Housing Units | 494 (21.1%) |
| Median Home Value | $344,590 |
| Average Home Value | $441,600 |
Housing Distribution
Address Breakdown
Residential
2,198
Single Family
2,198
Multi-Family
0
Businesses
113
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 2025
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24184, Wirtz, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,337 (100%) |
| Owner Occupied HU | 1,573 (67.3%) |
| Renter Occupied HU | 270 (11.6%) |
| Vacant Housing Units | 494 (21.1%) |
| Median Home Value | $344,590 |
| Average Home Value | $441,600 |
Housing Distribution
Address Breakdown
Residential
2,198
Single Family
2,198
Multi-Family
0
Businesses
113
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Naaman Moorman • MOUNTAIN TO LAKE REALTY
Mls Name: RVAR
Mls Provider:
Mls ID: #911677
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