20105 Sparta RdMilfordVA22514
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 20105 Sparta Rd, Milford, VA, 22514 in Milford at $399,000. Rental yield 6.94%. The 6.94% yield and 1.29 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $110,236 by year five, and $3,675/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $146,045.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(76) | $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 | $2,309 |
| Total Monthly Debt Service | $2,226 |
| DSCR Ratio | 1.04x |
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.
Manufactured
Built in 1996
17.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22514, Milford, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,096 (100%) |
| Owner Occupied HU | 853 (77.8%) |
| Renter Occupied HU | 172 (15.7%) |
| Vacant Housing Units | 71 ( 6.5%) |
| Median Home Value | $306,571 |
| Average Home Value | $369,091 |
Housing Distribution
Address Breakdown
Residential
919
Single Family
919
Multi-Family
0
Businesses
56
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
Manufactured
Built in 1996
17.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22514, Milford, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,096 (100%) |
| Owner Occupied HU | 853 (77.8%) |
| Renter Occupied HU | 172 (15.7%) |
| Vacant Housing Units | 71 ( 6.5%) |
| Median Home Value | $306,571 |
| Average Home Value | $369,091 |
Housing Distribution
Address Breakdown
Residential
919
Single Family
919
Multi-Family
0
Businesses
56
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices