201 Harrison StLynchburgVA24504
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 201 Harrison St, Lynchburg, VA, 24504 in Lynchburg at $465,000 earns $2,832/mo in rent and nets $52/mo after the $2,091/mo payment, a 7.31% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $128,471 over five years. Ziffy Mortgage underwrites this on a 1.35 DSCR without U.S. credit history. With $4,283/yr in principal paydown, total projected return reaches $179,298.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 4.8% |
| Monthly Cash Flow | $52 | $850 |
City averages based on Lynchburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,832 |
| Total Monthly Debt Service | $2,595 |
| DSCR Ratio | 1.09x |
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 1921
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24504, Lynchburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,237 (100%) |
| Owner Occupied HU | 2,088 (39.9%) |
| Renter Occupied HU | 2,135 (40.8%) |
| Vacant Housing Units | 1,014 (19.4%) |
| Median Home Value | $210,823 |
| Average Home Value | $227,948 |
Housing Distribution
Address Breakdown
Residential
4,875
Single Family
4,287
Multi-Family
588
Businesses
546
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 1921
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24504, Lynchburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,237 (100%) |
| Owner Occupied HU | 2,088 (39.9%) |
| Renter Occupied HU | 2,135 (40.8%) |
| Vacant Housing Units | 1,014 (19.4%) |
| Median Home Value | $210,823 |
| Average Home Value | $227,948 |
Housing Distribution
Address Breakdown
Residential
4,875
Single Family
4,287
Multi-Family
588
Businesses
546
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices