455 Taro RdCullenVA23934
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 455 Taro Rd, Cullen, VA, 23934 in Cullen fits: $289,500, 4.43% gross yield, and a projected 5% annual appreciation rate adding $79,984 in value within five years. Rental yield 4.43%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.82) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,666/yr in principal paydown and $79,984 in appreciation project a total return of $66,948.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(661) | $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 | $1,069 |
| Total Monthly Debt Service | $1,615 |
| DSCR Ratio | 0.66x |
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 1958
13.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23934, Cullen, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 296 (100%) |
| Owner Occupied HU | 136 (45.9%) |
| Renter Occupied HU | 56 (18.9%) |
| Vacant Housing Units | 104 (35.1%) |
| Median Home Value | $260,000 |
| Average Home Value | $391,710 |
Housing Distribution
Address Breakdown
Residential
289
Single Family
289
Multi-Family
0
Businesses
12
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 1958
13.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23934, Cullen, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 296 (100%) |
| Owner Occupied HU | 136 (45.9%) |
| Renter Occupied HU | 56 (18.9%) |
| Vacant Housing Units | 104 (35.1%) |
| Median Home Value | $260,000 |
| Average Home Value | $391,710 |
Housing Distribution
Address Breakdown
Residential
289
Single Family
289
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
