2078 Coalfield TrlCharmcoWV25958
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Charmco rental at 2078 Coalfield Trl, Charmco, WV, 25958 sits in the solid-income band: 9.24% gross yield, $1,138/mo rent, $283/mo net after the $664/mo debt service, DSCR 1.71. Entry price of $147,700 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $40,807 and $1,360/yr in principal reduction bring total cumulative return to $74,037.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $283 | $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 | $1,138 |
| Total Monthly Debt Service | $796 |
| DSCR Ratio | 1.43x |
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 1930
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25958, Charmco, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 593 (100%) |
| Owner Occupied HU | 363 (61.2%) |
| Renter Occupied HU | 109 (18.4%) |
| Vacant Housing Units | 121 (20.4%) |
| Median Home Value | $81,286 |
| Average Home Value | $100,200 |
Housing Distribution
Address Breakdown
Residential
238
Single Family
238
Multi-Family
0
Businesses
9
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 1930
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25958, Charmco, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 593 (100%) |
| Owner Occupied HU | 363 (61.2%) |
| Renter Occupied HU | 109 (18.4%) |
| Vacant Housing Units | 121 (20.4%) |
| Median Home Value | $81,286 |
| Average Home Value | $100,200 |
Housing Distribution
Address Breakdown
Residential
238
Single Family
238
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A