369 E Banbury RdTappahannockVA22560
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play369 E Banbury Rd, Tappahannock, VA, 22560 in Tappahannock is priced for appreciation, not yield. Rental yield 5.31%. At $285,000 with a 5.31% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $78,740 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.98) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $79,271.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.2% |
| Monthly Cash Flow | $(444) | $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 | $1,260 |
| Total Monthly Debt Service | $1,590 |
| DSCR Ratio | 0.79x |
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 1965
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22560, Tappahannock, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,588 (100%) |
| Owner Occupied HU | 2,081 (58.0%) |
| Renter Occupied HU | 933 (26.0%) |
| Vacant Housing Units | 574 (16.0%) |
| Median Home Value | $273,043 |
| Average Home Value | $306,013 |
Housing Distribution
Address Breakdown
Residential
2,205
Single Family
2,161
Multi-Family
44
Businesses
358
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 1965
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22560, Tappahannock, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,588 (100%) |
| Owner Occupied HU | 2,081 (58.0%) |
| Renter Occupied HU | 933 (26.0%) |
| Vacant Housing Units | 574 (16.0%) |
| Median Home Value | $273,043 |
| Average Home Value | $306,013 |
Housing Distribution
Address Breakdown
Residential
2,205
Single Family
2,161
Multi-Family
44
Businesses
358
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #VAES2002120