5 Sienna Ln LOT 5EarlysvilleVA22936
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 5 Sienna Ln LOT 5, Earlysville, VA, 22936 in Earlysville. Priced at $128,000, it generates $2,682/mo in gross rent and $1,858/mo in net monthly cash flow, a 25.14% yield that comfortably supports the 4.66 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $22,295. Five-year appreciation: $35,364. Equity from principal paydown: $1,179/yr. Total projected cumulative return: $168,248.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 25.1% | 6.2% |
| Monthly Cash Flow | $1,858 | $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 | $2,682 |
| Total Monthly Debt Service | $773 |
| DSCR Ratio | 3.47x |
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.
Lot
Built in N/A
6.44 Acres lot
$N/A/sqft
$707 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22936, Earlysville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,504 (100%) |
| Owner Occupied HU | 2,100 (83.9%) |
| Renter Occupied HU | 292 (11.7%) |
| Vacant Housing Units | 112 ( 4.5%) |
| Median Home Value | $643,072 |
| Average Home Value | $706,327 |
Housing Distribution
Address Breakdown
Residential
2,472
Single Family
2,073
Multi-Family
399
Businesses
117
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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
Lot
Built in N/A
6.44 Acres lot
$N/A/sqft
$707 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22936, Earlysville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,504 (100%) |
| Owner Occupied HU | 2,100 (83.9%) |
| Renter Occupied HU | 292 (11.7%) |
| Vacant Housing Units | 112 ( 4.5%) |
| Median Home Value | $643,072 |
| Average Home Value | $706,327 |
Housing Distribution
Address Breakdown
Residential
2,472
Single Family
2,073
Multi-Family
399
Businesses
117
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
Listed by: Peter Cathcart • STEVENS & COMPANY-CHARLOTTESVILLE
Mls Name: CAAR
Mls Provider:
Mls ID: #650525
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.