3106 Mac O Cheek WayValley HeadWV26294
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3106 Mac O Cheek Way, Valley Head, WV, 26294 in Valley Head the bet is firmly on appreciation. Rental yield 3.52%. The 3.52% gross yield on a $899,900 price is below income-first thresholds, but 5%/yr value growth projects $248,626 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.65) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $174,508.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.2% |
| Monthly Cash Flow | $(2,566) | $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 | $2,641 |
| Total Monthly Debt Service | $4,849 |
| DSCR Ratio | 0.54x |
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 2009
2.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26294, Valley Head, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 467 (100%) |
| Owner Occupied HU | 267 (57.2%) |
| Renter Occupied HU | 49 (10.5%) |
| Vacant Housing Units | 151 (32.3%) |
| Median Home Value | $121,959 |
| Average Home Value | $176,227 |
Housing Distribution
Address Breakdown
Residential
213
Single Family
213
Multi-Family
0
Businesses
13
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 2009
2.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26294, Valley Head, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 467 (100%) |
| Owner Occupied HU | 267 (57.2%) |
| Renter Occupied HU | 49 (10.5%) |
| Vacant Housing Units | 151 (32.3%) |
| Median Home Value | $121,959 |
| Average Home Value | $176,227 |
Housing Distribution
Address Breakdown
Residential
213
Single Family
213
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David M. Simmons • First Tracts Real Estate, LLC
Mls Name: GVMLS
Mls ID: #25-1411