31 Blue Stone DrFredericksburgVA22405
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder31 Blue Stone Dr, Fredericksburg, VA, 22405 in Fredericksburg earns a respectable 7.51% gross yield at $647,300, but after the $2,911/mo mortgage the net cash flow is $181/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.39) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $178,837 over five years, making equity the dominant return driver. Total projected return: $256,440.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.8% |
| Monthly Cash Flow | $181 | $450 |
City averages based on Fredericksburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,050 |
| Total Monthly Debt Service | $3,612 |
| DSCR Ratio | 1.12x |
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 2026
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22405, Fredericksburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,368 (100%) |
| Owner Occupied HU | 10,716 (80.2%) |
| Renter Occupied HU | 2,184 (16.3%) |
| Vacant Housing Units | 468 ( 3.5%) |
| Median Home Value | $471,593 |
| Average Home Value | $518,175 |
Housing Distribution
Address Breakdown
Residential
12,750
Single Family
12,570
Multi-Family
180
Businesses
629
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 2026
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22405, Fredericksburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,368 (100%) |
| Owner Occupied HU | 10,716 (80.2%) |
| Renter Occupied HU | 2,184 (16.3%) |
| Vacant Housing Units | 468 ( 3.5%) |
| Median Home Value | $471,593 |
| Average Home Value | $518,175 |
Housing Distribution
Address Breakdown
Residential
12,750
Single Family
12,570
Multi-Family
180
Businesses
629
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #VAST2046896