317 Shepherds Ridge CirCharlottesvilleVA22901
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 317 Shepherds Ridge Cir, Charlottesville, VA, 22901 in Charlottesville aligned with their strategy. Rental yield 6.67%. DSCR 1.24 and 6.67% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $6,254/yr in paydown build toward a projected cumulative return of $238,542.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 5.2% |
| Monthly Cash Flow | $(285) | $1,250 |
City averages based on Charlottesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,774 |
| Total Monthly Debt Service | $3,789 |
| DSCR Ratio | 1.00x |
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.
Townhouse
Built in 2001
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22901, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,906 (100%) |
| Owner Occupied HU | 8,917 (52.7%) |
| Renter Occupied HU | 6,745 (39.9%) |
| Vacant Housing Units | 1,244 ( 7.4%) |
| Median Home Value | $546,217 |
| Average Home Value | $630,845 |
Housing Distribution
Address Breakdown
Residential
16,845
Single Family
13,820
Multi-Family
3,025
Businesses
1,227
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
Townhouse
Built in 2001
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22901, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,906 (100%) |
| Owner Occupied HU | 8,917 (52.7%) |
| Renter Occupied HU | 6,745 (39.9%) |
| Vacant Housing Units | 1,244 ( 7.4%) |
| Median Home Value | $546,217 |
| Average Home Value | $630,845 |
Housing Distribution
Address Breakdown
Residential
16,845
Single Family
13,820
Multi-Family
3,025
Businesses
1,227
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: KELLY CEPPA • NEST REALTY GROUP
Mls Name: CAAR
Mls ID: #668554