5015 Saint Patrick CirCross LanesWV25313
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 5015 Saint Patrick Cir, Cross Lanes, WV, 25313 in Cross Lanes is narrow, $78/mo net on $836/mo rent after the $481/mo debt service, but the property operates at break-even-plus, not a loss. At $106,900 with a 9.38% yield, the long-run equity case via 5% appreciation ($29,535 over five years) and $985/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.74 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $45,999.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $78 | $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 | $836 |
| Total Monthly Debt Service | $715 |
| DSCR Ratio | 1.17x |
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.
Townhouse
Built in 1978
1,306 sqft lot
$N/A/sqft
$1,500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25313, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,917 (100%) |
| Owner Occupied HU | 3,709 (62.7%) |
| Renter Occupied HU | 1,543 (26.1%) |
| Vacant Housing Units | 665 (11.2%) |
| Median Home Value | $200,142 |
| Average Home Value | $271,939 |
Housing Distribution
Address Breakdown
Residential
5,698
Single Family
5,276
Multi-Family
422
Businesses
312
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
Townhouse
Built in 1978
1,306 sqft lot
$N/A/sqft
$1,500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25313, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,917 (100%) |
| Owner Occupied HU | 3,709 (62.7%) |
| Renter Occupied HU | 1,543 (26.1%) |
| Vacant Housing Units | 665 (11.2%) |
| Median Home Value | $200,142 |
| Average Home Value | $271,939 |
Housing Distribution
Address Breakdown
Residential
5,698
Single Family
5,276
Multi-Family
422
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Beth Williams • RE/MAX Clarity
Mls Name: KVBR
Mls Provider:
Mls ID: #276576
Disclaimer: Copyright Kanawha Valley Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.