382 Whiting Creek RdLocust HillVA23092
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 382 Whiting Creek Rd, Locust Hill, VA, 23092 in Locust Hill is listed at $615,000 and delivers $4,901/mo in rent and $1,212/mo in net monthly cash flow. The 9.56% yield and 1.77 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $169,913 over five years, and $5,664/yr in principal reduction supplements cash return. Total projected cumulative return: $310,754.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $1,212 | $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 | $4,901 |
| Total Monthly Debt Service | $3,444 |
| DSCR Ratio | 1.42x |
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 2008
2.83 Acres lot
$N/A/sqft
$150 annually HOA
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 2008
2.83 Acres lot
$N/A/sqft
$150 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelly P Guess • Mason Realty, Inc.
Mls Name: Chesapeake Bay & Rivers AOR
Mls ID: #2420681
Disclaimer: All or a portion of the multiple Listing information is provided by the CBRAR Property Services, Inc. Multiple Listing Service, from a copyrighted compilation of Listings. All CBRAR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are 2024 CBRAR Property Services, Inc. All rights reserved.