20 Scotland RdHamptonVA23663
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20 Scotland Rd, Hampton, VA, 23663 in Hampton deserves attention. This $308,500 property earns $2,644/mo in rent, a 10.28% gross yield, and nets $799/mo after the $1,387/mo payment. DSCR 1.91 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $85,233 compounds alongside $2,841/yr in yearly equity build, for a total cumulative return of $168,179.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 4.2% |
| Monthly Cash Flow | $799 | $850 |
City averages based on Hampton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,644 |
| Total Monthly Debt Service | $1,721 |
| DSCR Ratio | 1.54x |
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 2004
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23663, Hampton, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,028 (100%) |
| Owner Occupied HU | 3,001 (49.8%) |
| Renter Occupied HU | 2,601 (43.1%) |
| Vacant Housing Units | 426 ( 7.1%) |
| Median Home Value | $222,438 |
| Average Home Value | $255,327 |
Housing Distribution
Address Breakdown
Residential
5,892
Single Family
5,829
Multi-Family
63
Businesses
382
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 2004
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23663, Hampton, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,028 (100%) |
| Owner Occupied HU | 3,001 (49.8%) |
| Renter Occupied HU | 2,601 (43.1%) |
| Vacant Housing Units | 426 ( 7.1%) |
| Median Home Value | $222,438 |
| Average Home Value | $255,327 |
Housing Distribution
Address Breakdown
Residential
5,892
Single Family
5,829
Multi-Family
63
Businesses
382
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices