295 Labonte DrMartinsburgWV25404
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 295 Labonte Dr, Martinsburg, WV, 25404 in Martinsburg at $369,900 earns $2,191/mo in rent and nets $32/mo after the $1,663/mo payment, a 7.11% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $102,197 over five years. Ziffy Mortgage underwrites this on a 1.32 DSCR without U.S. credit history. With $3,407/yr in principal paydown, total projected return reaches $141,794.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 5.2% |
| Monthly Cash Flow | $32 | $420 |
City averages based on Martinsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,191 |
| Total Monthly Debt Service | $2,012 |
| DSCR Ratio | 1.09x |
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 N/A
7,405 sqft lot
$N/A/sqft
$225 annually HOA
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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 N/A
7,405 sqft lot
$N/A/sqft
$225 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices