43 3rd StWaverlyWV26184
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 43 3rd St, Waverly, WV, 26184 in Waverly is narrow, $186/mo net on $811/mo rent after the $486/mo debt service, but the property operates at break-even-plus, not a loss. At $108,000 with a 9.01% yield, the long-run equity case via 5% appreciation ($29,838 over five years) and $995/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $52,732.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $186 | $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 | $811 |
| Total Monthly Debt Service | $582 |
| DSCR Ratio | 1.39x |
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 1959
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26184, Waverly, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 988 (100%) |
| Owner Occupied HU | 772 (78.1%) |
| Renter Occupied HU | 112 (11.3%) |
| Vacant Housing Units | 104 (10.5%) |
| Median Home Value | $215,741 |
| Average Home Value | $245,687 |
Housing Distribution
Address Breakdown
Residential
949
Single Family
949
Multi-Family
0
Businesses
35
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 1959
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26184, Waverly, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 988 (100%) |
| Owner Occupied HU | 772 (78.1%) |
| Renter Occupied HU | 112 (11.3%) |
| Vacant Housing Units | 104 (10.5%) |
| Median Home Value | $215,741 |
| Average Home Value | $245,687 |
Housing Distribution
Address Breakdown
Residential
949
Single Family
949
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: KVBR
Mls ID: #282066