3736 Pear Orchard WaySuffolkVA23435
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3736 Pear Orchard Way, Suffolk, VA, 23435 in Suffolk speaks for itself: 11.83% gross on a $312,000 price, generating $3,077/mo in rent and $867/mo in net income after the $1,403/mo debt service. DSCR 2.19, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,401 stacks alongside $86,200 in projected five-year appreciation and $2,874/yr in principal reduction. Projected total cumulative return: $196,005.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.8% |
| Monthly Cash Flow | $867 | $1,250 |
City averages based on Suffolk market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,077 |
| Total Monthly Debt Service | $1,741 |
| DSCR Ratio | 1.77x |
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.
Townhouse
Built in 2014
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23435, Suffolk, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,501 (100%) |
| Owner Occupied HU | 9,314 (64.2%) |
| Renter Occupied HU | 4,353 (30.0%) |
| Vacant Housing Units | 834 ( 5.8%) |
| Median Home Value | $413,758 |
| Average Home Value | $470,109 |
Housing Distribution
Address Breakdown
Residential
14,232
Single Family
13,526
Multi-Family
706
Businesses
709
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 2014
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23435, Suffolk, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,501 (100%) |
| Owner Occupied HU | 9,314 (64.2%) |
| Renter Occupied HU | 4,353 (30.0%) |
| Vacant Housing Units | 834 ( 5.8%) |
| Median Home Value | $413,758 |
| Average Home Value | $470,109 |
Housing Distribution
Address Breakdown
Residential
14,232
Single Family
13,526
Multi-Family
706
Businesses
709
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices