2094 Prudence RdOak HillWV25901
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Oak Hill rental at 2094 Prudence Rd, Oak Hill, WV, 25901 sits in the solid-income band: 9.47% gross yield, $1,065/mo rent, $284/mo net after the $607/mo debt service, DSCR 1.75. Entry price of $135,000 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 $37,298 and $1,243/yr in principal reduction bring total cumulative return to $69,242.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $284 | $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 | $1,065 |
| Total Monthly Debt Service | $727 |
| DSCR Ratio | 1.46x |
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 1900
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25901, Oak Hill, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,120 (100%) |
| Owner Occupied HU | 3,148 (61.5%) |
| Renter Occupied HU | 1,375 (26.9%) |
| Vacant Housing Units | 597 (11.7%) |
| Median Home Value | $123,110 |
| Average Home Value | $163,195 |
Housing Distribution
Address Breakdown
Residential
4,568
Single Family
4,405
Multi-Family
163
Businesses
397
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 1900
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25901, Oak Hill, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,120 (100%) |
| Owner Occupied HU | 3,148 (61.5%) |
| Renter Occupied HU | 1,375 (26.9%) |
| Vacant Housing Units | 597 (11.7%) |
| Median Home Value | $123,110 |
| Average Home Value | $163,195 |
Housing Distribution
Address Breakdown
Residential
4,568
Single Family
4,405
Multi-Family
163
Businesses
397
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mendy Harvey • BETTY J. MOORE & ASSOCIATES
Mls Name: Beckley BOR
Mls Provider:
Mls ID: #90337
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.