464 Decatur RdStaffordVA22554
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 464 Decatur Rd, Stafford, VA, 22554 in Stafford at $639,000 earns $3,959/mo in rent and nets $139/mo after the $2,873/mo payment, a 7.43% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $176,544 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $5,885/yr in principal paydown, total projected return reaches $250,691.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.4% |
| Monthly Cash Flow | $139 | $1,850 |
City averages based on Stafford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,959 |
| Total Monthly Debt Service | $3,566 |
| DSCR Ratio | 1.11x |
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 2016
1.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22554, Stafford, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,896 (100%) |
| Owner Occupied HU | 17,523 (76.5%) |
| Renter Occupied HU | 4,715 (20.6%) |
| Vacant Housing Units | 658 ( 2.9%) |
| Median Home Value | $529,939 |
| Average Home Value | $569,469 |
Housing Distribution
Address Breakdown
Residential
22,221
Single Family
21,171
Multi-Family
1,050
Businesses
871
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 2016
1.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22554, Stafford, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,896 (100%) |
| Owner Occupied HU | 17,523 (76.5%) |
| Renter Occupied HU | 4,715 (20.6%) |
| Vacant Housing Units | 658 ( 2.9%) |
| Median Home Value | $529,939 |
| Average Home Value | $569,469 |
Housing Distribution
Address Breakdown
Residential
22,221
Single Family
21,171
Multi-Family
1,050
Businesses
871
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices