44 Vernon StKeyserWV26726
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 44 Vernon St, Keyser, WV, 26726 in Keyser at $109,500 earns $1,392/mo in rent and nets $187/mo after the $492/mo payment, a 9% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,253 over five years. Ziffy Mortgage underwrites this on a 2.83 DSCR without U.S. credit history. With $1,009/yr in principal paydown, total projected return reaches $90,185.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $187 | $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 | $1,392 |
| Total Monthly Debt Service | $590 |
| DSCR Ratio | 2.36x |
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 1920
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26726, Keyser, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,797 (100%) |
| Owner Occupied HU | 3,635 (62.7%) |
| Renter Occupied HU | 1,435 (24.8%) |
| Vacant Housing Units | 727 (12.5%) |
| Median Home Value | $171,898 |
| Average Home Value | $209,203 |
Housing Distribution
Address Breakdown
Residential
5,903
Single Family
5,735
Multi-Family
168
Businesses
432
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 1920
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26726, Keyser, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,797 (100%) |
| Owner Occupied HU | 3,635 (62.7%) |
| Renter Occupied HU | 1,435 (24.8%) |
| Vacant Housing Units | 727 (12.5%) |
| Median Home Value | $171,898 |
| Average Home Value | $209,203 |
Housing Distribution
Address Breakdown
Residential
5,903
Single Family
5,735
Multi-Family
168
Businesses
432
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chad Haywood • The Mike Haywood Group
Mls Name: Bright MLS
Mls ID: #WVMI2003398