2502 Naylor StCharlottesvilleVA22903
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 2502 Naylor St, Charlottesville, VA, 22903 in Charlottesville is listed at $649,000 and delivers $4,424/mo in rent and $544/mo in net monthly cash flow. The 8.18% yield and 1.52 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $179,307 over five years, and $5,977/yr in principal reduction supplements cash return. Total projected cumulative return: $280,543.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.2% |
| Monthly Cash Flow | $544 | $1,250 |
City averages based on Charlottesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,424 |
| Total Monthly Debt Service | $3,621 |
| DSCR Ratio | 1.22x |
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.
Multi Family
Built in 1975
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22903, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,943 (100%) |
| Owner Occupied HU | 7,004 (37.0%) |
| Renter Occupied HU | 10,256 (54.1%) |
| Vacant Housing Units | 1,683 ( 8.9%) |
| Median Home Value | $603,432 |
| Average Home Value | $711,730 |
Housing Distribution
Address Breakdown
Residential
18,660
Single Family
13,524
Multi-Family
5,136
Businesses
1,241
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
Multi Family
Built in 1975
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22903, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,943 (100%) |
| Owner Occupied HU | 7,004 (37.0%) |
| Renter Occupied HU | 10,256 (54.1%) |
| Vacant Housing Units | 1,683 ( 8.9%) |
| Median Home Value | $603,432 |
| Average Home Value | $711,730 |
Housing Distribution
Address Breakdown
Residential
18,660
Single Family
13,524
Multi-Family
5,136
Businesses
1,241
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CAAR
Mls ID: #674394