2320 Harpoon DrStaffordVA22554
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 2320 Harpoon Dr, Stafford, VA, 22554 in Stafford. At $547,000 it earns $3,636/mo in rent and distributes $221/mo to the owner after the $2,460/mo payment, a consistent 7.98% yield. DSCR 1.48 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $151,126 in value; $5,038/yr in principal paydown compounds ownership stake. Total projected return: $230,465.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.4% |
| Monthly Cash Flow | $221 | $1,850 |
City averages based on Stafford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,636 |
| Total Monthly Debt Service | $3,052 |
| DSCR Ratio | 1.19x |
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 1987
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22554, Stafford, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,896 (100%) |
| Owner Occupied HU | 17,523 (76.5%) |
| Renter Occupied HU | 4,715 (20.6%) |
| Vacant Housing Units | 658 ( 2.9%) |
| Median Home Value | $529,939 |
| Average Home Value | $569,469 |
Housing Distribution
Address Breakdown
Residential
22,221
Single Family
21,171
Multi-Family
1,050
Businesses
871
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 1987
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22554, Stafford, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,896 (100%) |
| Owner Occupied HU | 17,523 (76.5%) |
| Renter Occupied HU | 4,715 (20.6%) |
| Vacant Housing Units | 658 ( 2.9%) |
| Median Home Value | $529,939 |
| Average Home Value | $569,469 |
Housing Distribution
Address Breakdown
Residential
22,221
Single Family
21,171
Multi-Family
1,050
Businesses
871
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices