463 Richwood Hall RdKearneysvilleWV25430
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 463 Richwood Hall Rd, Kearneysville, WV, 25430 in Kearneysville: $3,263/mo in rent, $599/mo in net income, 8.71% gross yield, 1.61 DSCR, all at $449,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $124,189 in appreciation and $4,140/yr in principal paydown projects total cumulative return of $212,308.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $599 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,263 |
| Total Monthly Debt Service | $2,422 |
| DSCR Ratio | 1.35x |
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 2005
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25430, Kearneysville, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,444 (100%) |
| Owner Occupied HU | 2,648 (76.9%) |
| Renter Occupied HU | 534 (15.5%) |
| Vacant Housing Units | 262 ( 7.6%) |
| Median Home Value | $356,731 |
| Average Home Value | $380,070 |
Housing Distribution
Address Breakdown
Residential
3,315
Single Family
3,315
Multi-Family
0
Businesses
233
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 2005
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25430, Kearneysville, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,444 (100%) |
| Owner Occupied HU | 2,648 (76.9%) |
| Renter Occupied HU | 534 (15.5%) |
| Vacant Housing Units | 262 ( 7.6%) |
| Median Home Value | $356,731 |
| Average Home Value | $380,070 |
Housing Distribution
Address Breakdown
Residential
3,315
Single Family
3,315
Multi-Family
0
Businesses
233
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #WVBE2051048