3207 Cliffstone BlvdCharlottesvilleVA22911
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3207 Cliffstone Blvd, Charlottesville, VA, 22911 in Charlottesville is priced for appreciation, not yield. Rental yield 3.24%. At $974,900 with a 3.24% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $269,347 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.60) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $154,232.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 5.2% |
| Monthly Cash Flow | $(3,344) | $1,250 |
City averages based on Charlottesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,634 |
| Total Monthly Debt Service | $5,590 |
| DSCR Ratio | 0.47x |
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 2024
7,840 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22911, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,736 (100%) |
| Owner Occupied HU | 5,692 (58.5%) |
| Renter Occupied HU | 3,407 (35.0%) |
| Vacant Housing Units | 637 ( 6.5%) |
| Median Home Value | $474,189 |
| Average Home Value | $527,718 |
Housing Distribution
Address Breakdown
Residential
9,534
Single Family
7,230
Multi-Family
2,304
Businesses
736
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 2024
7,840 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22911, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,736 (100%) |
| Owner Occupied HU | 5,692 (58.5%) |
| Renter Occupied HU | 3,407 (35.0%) |
| Vacant Housing Units | 637 ( 6.5%) |
| Median Home Value | $474,189 |
| Average Home Value | $527,718 |
Housing Distribution
Address Breakdown
Residential
9,534
Single Family
7,230
Multi-Family
2,304
Businesses
736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tim Rigney • REAL BROKER, LLC
Mls Name: CAAR
Mls Provider:
Mls ID: #657250
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.