3213 Shell RdHamptonVA23661
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3213 Shell Rd, Hampton, VA, 23661 in Hampton. Rental yield 5.47%. At $450,000 with 5.47% gross yield, current distributions are modest, but the 5% appreciation rate projects $124,327 in new equity by year five, complemented by $4,145/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.01) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $129,216.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 4.2% |
| Monthly Cash Flow | $(638) | $850 |
City averages based on Hampton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,052 |
| Total Monthly Debt Service | $2,511 |
| DSCR Ratio | 0.82x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23661, Hampton, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,524 (100%) |
| Owner Occupied HU | 3,794 (58.2%) |
| Renter Occupied HU | 2,150 (33.0%) |
| Vacant Housing Units | 580 ( 8.9%) |
| Median Home Value | $254,084 |
| Average Home Value | $300,757 |
Housing Distribution
Address Breakdown
Residential
6,345
Single Family
5,964
Multi-Family
381
Businesses
586
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23661, Hampton, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,524 (100%) |
| Owner Occupied HU | 3,794 (58.2%) |
| Renter Occupied HU | 2,150 (33.0%) |
| Vacant Housing Units | 580 ( 8.9%) |
| Median Home Value | $254,084 |
| Average Home Value | $300,757 |
Housing Distribution
Address Breakdown
Residential
6,345
Single Family
5,964
Multi-Family
381
Businesses
586
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices