361A Union Mills RdTroyVA22974
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Troy at 361A Union Mills Rd, Troy, VA, 22974 projects strong ROI of -1.04%. Rental yield 0.48%. With 5% annual appreciation, the property builds $1,243,267 in value over five years. Equity growth combined delivers a projected five-year ROI of 6.84%, translating into $86,918 in total cumulative return on $1,271,250 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.5% | 6.2% |
| Monthly Cash Flow | $(25,100) | $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 | $1,800 |
| Total Monthly Debt Service | $25,110 |
| DSCR Ratio | 0.07x |
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 2019
108 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22974, Troy, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,973 (100%) |
| Owner Occupied HU | 1,603 (81.2%) |
| Renter Occupied HU | 287 (14.5%) |
| Vacant Housing Units | 83 ( 4.2%) |
| Median Home Value | $394,898 |
| Average Home Value | $460,078 |
Housing Distribution
Address Breakdown
Residential
1,828
Single Family
1,828
Multi-Family
0
Businesses
161
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 2019
108 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22974, Troy, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,973 (100%) |
| Owner Occupied HU | 1,603 (81.2%) |
| Renter Occupied HU | 287 (14.5%) |
| Vacant Housing Units | 83 ( 4.2%) |
| Median Home Value | $394,898 |
| Average Home Value | $460,078 |
Housing Distribution
Address Breakdown
Residential
1,828
Single Family
1,828
Multi-Family
0
Businesses
161
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ann Hay Hardy • FRANK HARDY SOTHEBY'S INTERNATIONAL REALTY
Mls Name: CAAR
Mls Provider:
Mls ID: #656908
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.