4705 Caldwell AveRichmondVA23234
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4705 Caldwell Ave, Richmond, VA, 23234 in Richmond speaks for itself: 11% gross on a $229,000 price, generating $2,100/mo in rent and $731/mo in net income after the $1,030/mo debt service. DSCR 2.04, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,773 stacks alongside $63,268 in projected five-year appreciation and $2,109/yr in principal reduction. Projected total cumulative return: $133,662.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.5% |
| Monthly Cash Flow | $731 | $450 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,100 |
| Total Monthly Debt Service | $1,278 |
| DSCR Ratio | 1.64x |
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 1954
7,701 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23234, Richmond, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,681 (100%) |
| Owner Occupied HU | 10,172 (54.5%) |
| Renter Occupied HU | 7,538 (40.4%) |
| Vacant Housing Units | 971 ( 5.2%) |
| Median Home Value | $316,894 |
| Average Home Value | $348,315 |
Housing Distribution
Address Breakdown
Residential
18,357
Single Family
16,954
Multi-Family
1,403
Businesses
765
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 1954
7,701 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23234, Richmond, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,681 (100%) |
| Owner Occupied HU | 10,172 (54.5%) |
| Renter Occupied HU | 7,538 (40.4%) |
| Vacant Housing Units | 971 ( 5.2%) |
| Median Home Value | $316,894 |
| Average Home Value | $348,315 |
Housing Distribution
Address Breakdown
Residential
18,357
Single Family
16,954
Multi-Family
1,403
Businesses
765
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices