3351 Torrey Pines CirRinerVA24149
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3351 Torrey Pines Cir, Riner, VA, 24149 in Riner fits: $615,000, 5.15% gross yield, and a projected 5% annual appreciation rate adding $169,913 in value within five years. Rental yield 5.15%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.95) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,664/yr in principal paydown and $169,913 in appreciation project a total return of $155,402.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(1,213) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,639 |
| Total Monthly Debt Service | $3,607 |
| DSCR Ratio | 0.73x |
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 2005
8,886 sqft lot
$N/A/sqft
$2,100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24149, Riner, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,481 (100%) |
| Owner Occupied HU | 1,170 (79.0%) |
| Renter Occupied HU | 169 (11.4%) |
| Vacant Housing Units | 142 ( 9.6%) |
| Median Home Value | $347,198 |
| Average Home Value | $361,970 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,474
Multi-Family
0
Businesses
77
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 2005
8,886 sqft lot
$N/A/sqft
$2,100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24149, Riner, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,481 (100%) |
| Owner Occupied HU | 1,170 (79.0%) |
| Renter Occupied HU | 169 (11.4%) |
| Vacant Housing Units | 142 ( 9.6%) |
| Median Home Value | $347,198 |
| Average Home Value | $361,970 |
Housing Distribution
Address Breakdown
Residential
1,474
Single Family
1,474
Multi-Family
0
Businesses
77
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph Dixon • Berkshire Hathaway Home Services Mountain Sky Properties-Hillsv
Mls Name: New River Valley AOR
Mls Provider:
Mls ID: #423905
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.