228 Choptank RdStaffordVA22556
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 228 Choptank Rd, Stafford, VA, 22556 in Stafford. At $539,000 it earns $3,644/mo in rent and distributes $422/mo to the owner after the $2,424/mo payment, a consistent 8.11% yield. DSCR 1.50 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $148,916 in value; $4,964/yr in principal paydown compounds ownership stake. Total projected return: $231,078.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.4% |
| Monthly Cash Flow | $422 | $1,850 |
City averages based on Stafford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,644 |
| Total Monthly Debt Service | $3,008 |
| DSCR Ratio | 1.21x |
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 1989
0.30 Acres lot
$N/A/sqft
No HOA
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 1989
0.30 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices