204 E Cadbury DrLynchburgVA24501
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 204 E Cadbury Dr, Lynchburg, VA, 24501 in Lynchburg at $204,900 earns $1,530/mo in rent and nets $155/mo after the $921/mo payment, a 8.96% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $56,610 over five years. Ziffy Mortgage underwrites this on a 1.66 DSCR without U.S. credit history. With $1,887/yr in principal paydown, total projected return reaches $97,224.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 4.8% |
| Monthly Cash Flow | $155 | $850 |
City averages based on Lynchburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,530 |
| Total Monthly Debt Service | $1,143 |
| DSCR Ratio | 1.34x |
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.
Townhouse
Built in 1971
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24501, Lynchburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,071 (100%) |
| Owner Occupied HU | 5,098 (42.2%) |
| Renter Occupied HU | 5,720 (47.4%) |
| Vacant Housing Units | 1,253 (10.4%) |
| Median Home Value | $208,110 |
| Average Home Value | $229,646 |
Housing Distribution
Address Breakdown
Residential
12,488
Single Family
11,495
Multi-Family
993
Businesses
1,094
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
Townhouse
Built in 1971
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24501, Lynchburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,071 (100%) |
| Owner Occupied HU | 5,098 (42.2%) |
| Renter Occupied HU | 5,720 (47.4%) |
| Vacant Housing Units | 1,253 (10.4%) |
| Median Home Value | $208,110 |
| Average Home Value | $229,646 |
Housing Distribution
Address Breakdown
Residential
12,488
Single Family
11,495
Multi-Family
993
Businesses
1,094
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices