3300 Hillpoint DrCharlestonWV25302
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 3300 Hillpoint Dr, Charleston, WV, 25302 in Charleston is capital appreciation. Rental yield 4.46%. The 4.46% gross yield at $1,195,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $330,156 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.83) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $291,775.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 9.8% |
| Monthly Cash Flow | $(2,476) | $425 |
City averages based on Charleston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,439 |
| Total Monthly Debt Service | $6,439 |
| DSCR Ratio | 0.69x |
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 1998
5.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25302, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,716 (100%) |
| Owner Occupied HU | 3,727 (48.3%) |
| Renter Occupied HU | 2,665 (34.5%) |
| Vacant Housing Units | 1,324 (17.2%) |
| Median Home Value | $168,686 |
| Average Home Value | $221,501 |
Housing Distribution
Address Breakdown
Residential
7,329
Single Family
6,830
Multi-Family
499
Businesses
515
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 1998
5.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25302, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,716 (100%) |
| Owner Occupied HU | 3,727 (48.3%) |
| Renter Occupied HU | 2,665 (34.5%) |
| Vacant Housing Units | 1,324 (17.2%) |
| Median Home Value | $168,686 |
| Average Home Value | $221,501 |
Housing Distribution
Address Breakdown
Residential
7,329
Single Family
6,830
Multi-Family
499
Businesses
515
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices