20117 Flatfoot RdStony CreekVA23882
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 20117 Flatfoot Rd, Stony Creek, VA, 23882 in Stony Creek worth study. Rental yield 2.57%. The 2.57% gross yield is below cash-flow benchmarks at $476,000, but 5% annual appreciation, adding $131,510 over five years, frames this as a capital growth position. Rent of $1,020/mo partially offsets the $2,140/mo payment. Ziffy Mortgage finances appreciation-play properties (0.48 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $62,646.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.2% |
| Monthly Cash Flow | $(1,825) | $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 | $1,020 |
| Total Monthly Debt Service | $2,656 |
| DSCR Ratio | 0.38x |
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.
Manufactured
Built in 2008
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23882, Stony Creek, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,144 (100%) |
| Owner Occupied HU | 787 (68.8%) |
| Renter Occupied HU | 202 (17.7%) |
| Vacant Housing Units | 155 (13.5%) |
| Median Home Value | $218,829 |
| Average Home Value | $243,046 |
Housing Distribution
Address Breakdown
Residential
1,013
Single Family
1,013
Multi-Family
0
Businesses
82
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 2008
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23882, Stony Creek, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,144 (100%) |
| Owner Occupied HU | 787 (68.8%) |
| Renter Occupied HU | 202 (17.7%) |
| Vacant Housing Units | 155 (13.5%) |
| Median Home Value | $218,829 |
| Average Home Value | $243,046 |
Housing Distribution
Address Breakdown
Residential
1,013
Single Family
1,013
Multi-Family
0
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cindy Kennebeck • Abbitt Realty Company LLC
Mls Name: REIN Inc.
Mls Provider:
Mls ID: #10545809
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