38164 Stevens RdLovettsvilleVA20180
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 38164 Stevens Rd, Lovettsville, VA, 20180 in Lovettsville fits: $824,900, 2.09% gross yield, and a projected 5% annual appreciation rate adding $227,905 in value within five years. Rental yield 2.09%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.39) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,597/yr in principal paydown and $227,905 in appreciation project a total return of $87,420.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 6.2% |
| Monthly Cash Flow | $(3,491) | $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 | $1,440 |
| Total Monthly Debt Service | $4,603 |
| DSCR Ratio | 0.31x |
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 1992
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20180, Lovettsville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,939 (100%) |
| Owner Occupied HU | 2,600 (88.5%) |
| Renter Occupied HU | 242 ( 8.2%) |
| Vacant Housing Units | 97 ( 3.3%) |
| Median Home Value | $777,958 |
| Average Home Value | $869,009 |
Housing Distribution
Address Breakdown
Residential
2,967
Single Family
2,967
Multi-Family
0
Businesses
131
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 1992
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20180, Lovettsville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,939 (100%) |
| Owner Occupied HU | 2,600 (88.5%) |
| Renter Occupied HU | 242 ( 8.2%) |
| Vacant Housing Units | 97 ( 3.3%) |
| Median Home Value | $777,958 |
| Average Home Value | $869,009 |
Housing Distribution
Address Breakdown
Residential
2,967
Single Family
2,967
Multi-Family
0
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathrin Donovan • Keller Williams Realty
Mls Name: Bright MLS
Mls ID: #VALO2110886