2239 Frozen Camp Creek RdGayWV25244
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 2239 Frozen Camp Creek Rd, Gay, WV, 25244 in Gay. At $142,900 it earns $1,076/mo in rent and distributes $250/mo to the owner after the $643/mo payment, a consistent 9.04% yield. DSCR 1.67 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $39,481 in value; $1,316/yr in principal paydown compounds ownership stake. Total projected return: $69,977.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $250 | $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 | $1,076 |
| Total Monthly Debt Service | $770 |
| DSCR Ratio | 1.40x |
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.
Manufactured
Built in N/A
2.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25244, Gay, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 203 (100%) |
| Owner Occupied HU | 162 (79.8%) |
| Renter Occupied HU | 23 (11.3%) |
| Vacant Housing Units | 18 ( 8.9%) |
| Median Home Value | $301,250 |
| Average Home Value | $241,312 |
Housing Distribution
Address Breakdown
Residential
273
Single Family
273
Multi-Family
0
Businesses
3
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
Manufactured
Built in N/A
2.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25244, Gay, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 203 (100%) |
| Owner Occupied HU | 162 (79.8%) |
| Renter Occupied HU | 23 (11.3%) |
| Vacant Housing Units | 18 ( 8.9%) |
| Median Home Value | $301,250 |
| Average Home Value | $241,312 |
Housing Distribution
Address Breakdown
Residential
273
Single Family
273
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Church • Appalachian Realty Group LLC
Mls Name: KVBR
Mls Provider:
Mls ID: #278890
Disclaimer: Copyright Kanawha Valley Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.