38822 Bettis DrHamiltonVA20158
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 38822 Bettis Dr, Hamilton, VA, 20158 in Hamilton is capital appreciation. Rental yield 4.02%. The 4.02% gross yield at $1,200,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $331,538 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.74) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $250,973.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.2% |
| Monthly Cash Flow | $(3,153) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,020 |
| Total Monthly Debt Service | $6,696 |
| DSCR Ratio | 0.60x |
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 2007
1.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20158, Hamilton, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,675 (100%) |
| Owner Occupied HU | 1,500 (89.6%) |
| Renter Occupied HU | 140 ( 8.4%) |
| Vacant Housing Units | 35 ( 2.1%) |
| Median Home Value | $876,029 |
| Average Home Value | $957,713 |
Housing Distribution
Address Breakdown
Residential
1,532
Single Family
1,532
Multi-Family
0
Businesses
36
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 2007
1.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20158, Hamilton, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,675 (100%) |
| Owner Occupied HU | 1,500 (89.6%) |
| Renter Occupied HU | 140 ( 8.4%) |
| Vacant Housing Units | 35 ( 2.1%) |
| Median Home Value | $876,029 |
| Average Home Value | $957,713 |
Housing Distribution
Address Breakdown
Residential
1,532
Single Family
1,532
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices