3399 WestportWilliamsburgVA23188
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 3399 Westport, Williamsburg, VA, 23188 in Williamsburg is capital appreciation. Rental yield 1.86%. The 1.86% gross yield at $1,290,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $356,403 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.35) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $106,934.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 5.8% |
| Monthly Cash Flow | $(5,709) | $1,850 |
City averages based on Williamsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,002 |
| Total Monthly Debt Service | $7,425 |
| DSCR Ratio | 0.27x |
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
3.08 Acres lot
$N/A/sqft
$227 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23188, Williamsburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,339 (100%) |
| Owner Occupied HU | 15,425 (69.0%) |
| Renter Occupied HU | 5,519 (24.7%) |
| Vacant Housing Units | 1,395 ( 6.2%) |
| Median Home Value | $472,264 |
| Average Home Value | $521,600 |
Housing Distribution
Address Breakdown
Residential
21,377
Single Family
19,247
Multi-Family
2,130
Businesses
1,661
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
3.08 Acres lot
$N/A/sqft
$227 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23188, Williamsburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,339 (100%) |
| Owner Occupied HU | 15,425 (69.0%) |
| Renter Occupied HU | 5,519 (24.7%) |
| Vacant Housing Units | 1,395 ( 6.2%) |
| Median Home Value | $472,264 |
| Average Home Value | $521,600 |
Housing Distribution
Address Breakdown
Residential
21,377
Single Family
19,247
Multi-Family
2,130
Businesses
1,661
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Scott Walker • Eagle Realty of Virginia LLC
Mls Name: WMLS
Mls Provider:
Mls ID: #2503963
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