4730 Simmons Gap RdFree UnionVA22940
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4730 Simmons Gap Rd, Free Union, VA, 22940 in Free Union fits: $525,000, 4.9% gross yield, and a projected 5% annual appreciation rate adding $145,048 in value within five years. Rental yield 4.9%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.91) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,835/yr in principal paydown and $145,048 in appreciation project a total return of $134,752.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(993) | $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 | $2,146 |
| Total Monthly Debt Service | $2,929 |
| DSCR Ratio | 0.73x |
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 1900
91.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22940, Free Union, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 384 (100%) |
| Owner Occupied HU | 243 (63.3%) |
| Renter Occupied HU | 59 (15.4%) |
| Vacant Housing Units | 82 (21.4%) |
| Median Home Value | $682,692 |
| Average Home Value | $745,905 |
Housing Distribution
Address Breakdown
Residential
406
Single Family
406
Multi-Family
0
Businesses
32
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 1900
91.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22940, Free Union, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 384 (100%) |
| Owner Occupied HU | 243 (63.3%) |
| Renter Occupied HU | 59 (15.4%) |
| Vacant Housing Units | 82 (21.4%) |
| Median Home Value | $682,692 |
| Average Home Value | $745,905 |
Housing Distribution
Address Breakdown
Residential
406
Single Family
406
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Richard Herring • HERRING AUCTION & REALTY
Mls Name: CAAR
Mls Provider:
Mls ID: #654538
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.