3901 Old Creek RdChesterfieldVA23832
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Chesterfield rental at 3901 Old Creek Rd, Chesterfield, VA, 23832 sits in the solid-income band: 8.33% gross yield, $2,395/mo rent, $333/mo net after the $1,551/mo debt service, DSCR 1.54. Entry price of $344,950 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $95,303 and $3,177/yr in principal reduction bring total cumulative return to $151,949.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $333 | $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 | $2,395 |
| Total Monthly Debt Service | $1,925 |
| DSCR Ratio | 1.24x |
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 1982
9,016 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23832, Chesterfield, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,674 (100%) |
| Owner Occupied HU | 12,960 (82.7%) |
| Renter Occupied HU | 2,359 (15.1%) |
| Vacant Housing Units | 355 ( 2.3%) |
| Median Home Value | $387,676 |
| Average Home Value | $419,762 |
Housing Distribution
Address Breakdown
Residential
15,761
Single Family
15,409
Multi-Family
352
Businesses
844
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 1982
9,016 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23832, Chesterfield, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,674 (100%) |
| Owner Occupied HU | 12,960 (82.7%) |
| Renter Occupied HU | 2,359 (15.1%) |
| Vacant Housing Units | 355 ( 2.3%) |
| Median Home Value | $387,676 |
| Average Home Value | $419,762 |
Housing Distribution
Address Breakdown
Residential
15,761
Single Family
15,409
Multi-Family
352
Businesses
844
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Katie Diaz • Samson Properties
Mls Name: CVRMLS
Mls ID: #2533377