44 Marcella StCharlottesvilleVA22911
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 44 Marcella St, Charlottesville, VA, 22911 in Charlottesville offers a clean, manageable entry. Rental yield 6.88%. DSCR 1.27 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $131,590 in additional property value over five years, with $4,387/yr in principal equity building ownership stake. Total projected cumulative return: $166,361.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 5.2% |
| Monthly Cash Flow | $(222) | $1,250 |
City averages based on Charlottesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,730 |
| Total Monthly Debt Service | $2,763 |
| DSCR Ratio | 0.99x |
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.
Townhouse
Built in 2026
2,613 sqft lot
$N/A/sqft
$315 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22911, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,736 (100%) |
| Owner Occupied HU | 5,692 (58.5%) |
| Renter Occupied HU | 3,407 (35.0%) |
| Vacant Housing Units | 637 ( 6.5%) |
| Median Home Value | $474,189 |
| Average Home Value | $527,718 |
Housing Distribution
Address Breakdown
Residential
9,534
Single Family
7,230
Multi-Family
2,304
Businesses
736
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
Townhouse
Built in 2026
2,613 sqft lot
$N/A/sqft
$315 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22911, Charlottesville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,736 (100%) |
| Owner Occupied HU | 5,692 (58.5%) |
| Renter Occupied HU | 3,407 (35.0%) |
| Vacant Housing Units | 637 ( 6.5%) |
| Median Home Value | $474,189 |
| Average Home Value | $527,718 |
Housing Distribution
Address Breakdown
Residential
9,534
Single Family
7,230
Multi-Family
2,304
Businesses
736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: AMANDA KATE LEMON • NEST REALTY GROUP
Mls Name: CAAR
Mls Provider:
Mls ID: #675228