3688 Isaac CirWilliamsburgVA23188
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3688 Isaac Cir, Williamsburg, VA, 23188 in Williamsburg at $474,000 earns $3,324/mo in rent and nets $156/mo after the $2,131/mo payment, a 8.42% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $130,957 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $4,366/yr in principal paydown, total projected return reaches $210,897.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.8% |
| Monthly Cash Flow | $156 | $1,850 |
City averages based on Williamsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,324 |
| Total Monthly Debt Service | $2,645 |
| DSCR Ratio | 1.26x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 2023
3,354 sqft lot
$N/A/sqft
No 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 2023
3,354 sqft lot
$N/A/sqft
No 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: Jane Potter-Poole • Williamsburg Realty
Mls Name: REIN Inc.
Mls ID: #10620653