4809 Church DrCharlestonWV25306
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4809 Church Dr, Charleston, WV, 25306 in Charleston is a solid income-producing rental, 10.64% gross yield, $1,020/mo rent, $355/mo net cash flow on a $115,000 buy. DSCR 1.97 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $31,772 and $1,059/yr in principal reduction project a total cumulative return of $66,263.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 9.8% |
| Monthly Cash Flow | $355 | $425 |
City averages based on Charleston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $620 |
| DSCR Ratio | 1.65x |
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25306, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,512 (100%) |
| Owner Occupied HU | 1,922 (54.7%) |
| Renter Occupied HU | 1,053 (30.0%) |
| Vacant Housing Units | 537 (15.3%) |
| Median Home Value | $102,895 |
| Average Home Value | $147,088 |
Housing Distribution
Address Breakdown
Residential
3,071
Single Family
3,033
Multi-Family
38
Businesses
70
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 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25306, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,512 (100%) |
| Owner Occupied HU | 1,922 (54.7%) |
| Renter Occupied HU | 1,053 (30.0%) |
| Vacant Housing Units | 537 (15.3%) |
| Median Home Value | $102,895 |
| Average Home Value | $147,088 |
Housing Distribution
Address Breakdown
Residential
3,071
Single Family
3,033
Multi-Family
38
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Melody Jordan • Great Expectations Realty
Mls Name: BHHS broker feed
Mls ID: #281340