3189 James River Rd, Howardsville, VA, 24562 | $242/mo Cash Flow

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Monthly Cash Flow: 1 - 3k+

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3189 James River Rd, Howardsville, VA, 24562 | $242/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Howardsville at 3189 James River Rd, Howardsville, VA, 24562 listed at $299,500 pairs $2,032/mo rent with a $1,466/mo payment to leave $242/mo cash flow. Total monthly income runs $2,032/mo, and annual cash flow reaches $2,898/yr on $99,284 cash to close. Return on cash invested measures 22.83% in year one, and rental yield registers 8.14% at a $299,500 basis. Equity gained on principal adds $1,933/yr, and annual property appreciation at 5% supports $82,746 by year five. Five-year ROI tracks 118.24% and total cumulative return in cash totals $117,395. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $2,032/mo property income relative to a $1,466/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Single Family

Built in 1983

3 Acres lot

$N/A/sqft

No HOA

More details about the property

Located in Albemarle County, this home offers peaceful main-level living on 3 private wooded acres just minutes from the James River. Enjoy abundant natural light, wooded views, and deep privacy while still being conveniently situated 15 minutes from Scottsville and about 30 minutes from Charlottesville. Surrounded by scenic countryside and just minutes from local wineries, adding to the charm of this nature-rich and well-positioned retreat. Firefly fiber-optic internet is available!

Neighborhood Data

Neighborhood data shown for ZIP Code: 24562, Howardsville, VA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	206 (100%)
Owner Occupied HU	136 (66.0%)
Renter Occupied HU	35 (17.0%)
Vacant Housing Units	35 (17.0%)
Median Home Value	$162,500
Average Home Value	$228,070