2145 Smith RdCharlestonWV25314
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2145 Smith Rd, Charleston, WV, 25314 in Charleston. Priced at $100,000, it generates $1,304/mo in gross rent and $726/mo in net monthly cash flow, a 15.65% yield that comfortably supports the 2.90 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,709. Five-year appreciation: $27,628. Equity from principal paydown: $921/yr. Total projected cumulative return: $84,413.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.7% | 9.8% |
| Monthly Cash Flow | $726 | $425 |
City averages based on Charleston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,304 |
| Total Monthly Debt Service | $539 |
| DSCR Ratio | 2.42x |
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 1969
1.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25314, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,908 (100%) |
| Owner Occupied HU | 4,764 (69.0%) |
| Renter Occupied HU | 1,393 (20.2%) |
| Vacant Housing Units | 751 (10.9%) |
| Median Home Value | $287,954 |
| Average Home Value | $374,459 |
Housing Distribution
Address Breakdown
Residential
6,653
Single Family
6,128
Multi-Family
525
Businesses
165
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 1969
1.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25314, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,908 (100%) |
| Owner Occupied HU | 4,764 (69.0%) |
| Renter Occupied HU | 1,393 (20.2%) |
| Vacant Housing Units | 751 (10.9%) |
| Median Home Value | $287,954 |
| Average Home Value | $374,459 |
Housing Distribution
Address Breakdown
Residential
6,653
Single Family
6,128
Multi-Family
525
Businesses
165
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert D. Cooper, Jr • Century 21 Full Service Realty
Mls Name: KVBR
Mls ID: #280145