2309 S Walnut StSaint AlbansWV25177
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2309 S Walnut St, Saint Albans, WV, 25177 in Saint Albans. Priced at $142,000, it generates $1,972/mo in gross rent and $1,016/mo in net monthly cash flow, a 16.66% yield that comfortably supports the 3.09 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,186. Five-year appreciation: $39,232. Equity from principal paydown: $1,308/yr. Total projected cumulative return: $119,517.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.7% | 7.8% |
| Monthly Cash Flow | $1,016 | $450 |
City averages based on Saint Albans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,972 |
| Total Monthly Debt Service | $900 |
| DSCR Ratio | 2.19x |
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 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25177, Saint Albans, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,166 (100%) |
| Owner Occupied HU | 7,085 (63.5%) |
| Renter Occupied HU | 2,718 (24.3%) |
| Vacant Housing Units | 1,363 (12.2%) |
| Median Home Value | $149,284 |
| Average Home Value | $183,971 |
Housing Distribution
Address Breakdown
Residential
10,279
Single Family
10,142
Multi-Family
137
Businesses
667
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 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25177, Saint Albans, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,166 (100%) |
| Owner Occupied HU | 7,085 (63.5%) |
| Renter Occupied HU | 2,718 (24.3%) |
| Vacant Housing Units | 1,363 (12.2%) |
| Median Home Value | $149,284 |
| Average Home Value | $183,971 |
Housing Distribution
Address Breakdown
Residential
10,279
Single Family
10,142
Multi-Family
137
Businesses
667
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices