475 Simms StSaint AlbansWV25177
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow475 Simms St, Saint Albans, WV, 25177 in Saint Albans earns its strong cash-flow label: 17.35% yield, $1,661/mo rent, $996/mo net income, DSCR 3.22. The $114,850 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $31,731 by year five. Combined with $1,058/yr in principal paydown, total projected return reaches $107,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.4% | 7.8% |
| Monthly Cash Flow | $996 | $450 |
City averages based on Saint Albans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,661 |
| Total Monthly Debt Service | $619 |
| DSCR Ratio | 2.68x |
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 1984
5.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25177, Saint Albans, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,166 (100%) |
| Owner Occupied HU | 7,085 (63.5%) |
| Renter Occupied HU | 2,718 (24.3%) |
| Vacant Housing Units | 1,363 (12.2%) |
| Median Home Value | $149,284 |
| Average Home Value | $183,971 |
Housing Distribution
Address Breakdown
Residential
10,279
Single Family
10,142
Multi-Family
137
Businesses
667
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 1984
5.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25177, Saint Albans, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,166 (100%) |
| Owner Occupied HU | 7,085 (63.5%) |
| Renter Occupied HU | 2,718 (24.3%) |
| Vacant Housing Units | 1,363 (12.2%) |
| Median Home Value | $149,284 |
| Average Home Value | $183,971 |
Housing Distribution
Address Breakdown
Residential
10,279
Single Family
10,142
Multi-Family
137
Businesses
667
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cami Lynn Alford • Fathom Realty LLC
Mls Name: KVBR
Mls Provider:
Mls ID: #279447
Disclaimer: Copyright Kanawha Valley Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.