2051 Whippoorwill RdCharlottesvilleVA22901
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing2051 Whippoorwill Rd, Charlottesville, VA, 22901 in Charlottesville is a stable, well-positioned rental at $765,000. Rental yield 6.3%. DSCR 1.17 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $211,355 in value and $7,046/yr in principal paydown builds equity, a total projected return of $253,690.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 5.2% |
| Monthly Cash Flow | $(555) | $1,250 |
City averages based on Charlottesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,018 |
| Total Monthly Debt Service | $4,269 |
| DSCR Ratio | 0.94x |
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.
Single Family
Built in 1981
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22901, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,906 (100%) |
| Owner Occupied HU | 8,917 (52.7%) |
| Renter Occupied HU | 6,745 (39.9%) |
| Vacant Housing Units | 1,244 ( 7.4%) |
| Median Home Value | $546,217 |
| Average Home Value | $630,845 |
Housing Distribution
Address Breakdown
Residential
16,845
Single Family
13,820
Multi-Family
3,025
Businesses
1,227
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 1981
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22901, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,906 (100%) |
| Owner Occupied HU | 8,917 (52.7%) |
| Renter Occupied HU | 6,745 (39.9%) |
| Vacant Housing Units | 1,244 ( 7.4%) |
| Median Home Value | $546,217 |
| Average Home Value | $630,845 |
Housing Distribution
Address Breakdown
Residential
16,845
Single Family
13,820
Multi-Family
3,025
Businesses
1,227
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: SYDNEY ROBERTSON • LORING WOODRIFF REAL ESTATE ASSOCIATES
Mls Name: CAAR
Mls Provider:
Mls ID: #664004