3029 Oxford DrSutherlandVA23885
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3029 Oxford Dr, Sutherland, VA, 23885 in Sutherland worth study. Rental yield 5.44%. The 5.44% gross yield is below cash-flow benchmarks at $1,166,000, but 5% annual appreciation, adding $322,144 over five years, frames this as a capital growth position. Rent of $4,144/mo partially offsets the $5,243/mo payment. Ziffy Mortgage finances appreciation-play properties (0.79 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $259,188.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(1,681) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,144 |
| Total Monthly Debt Service | $6,506 |
| DSCR Ratio | 0.64x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1995
9.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23885, Sutherland, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,245 (100%) |
| Owner Occupied HU | 1,046 (84.0%) |
| Renter Occupied HU | 138 (11.1%) |
| Vacant Housing Units | 61 ( 4.9%) |
| Median Home Value | $348,165 |
| Average Home Value | $377,899 |
Housing Distribution
Address Breakdown
Residential
1,157
Single Family
1,157
Multi-Family
0
Businesses
64
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 1995
9.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23885, Sutherland, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,245 (100%) |
| Owner Occupied HU | 1,046 (84.0%) |
| Renter Occupied HU | 138 (11.1%) |
| Vacant Housing Units | 61 ( 4.9%) |
| Median Home Value | $348,165 |
| Average Home Value | $377,899 |
Housing Distribution
Address Breakdown
Residential
1,157
Single Family
1,157
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cabell Childress • Long & Foster REALTORS
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2513993
Disclaimer: All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listing s. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are 2025 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.