5209 Bemiss RdRichmondVA23234
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 5209 Bemiss Rd, Richmond, VA, 23234 in Richmond. Priced at $325,000, it generates $2,970/mo in gross rent and $1,027/mo in net monthly cash flow, a 10.97% yield that comfortably supports the 2.03 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,326. Five-year appreciation: $89,792. Equity from principal paydown: $2,993/yr. Total projected cumulative return: $189,066.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.5% |
| Monthly Cash Flow | $1,027 | $450 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,970 |
| Total Monthly Debt Service | $1,813 |
| DSCR Ratio | 1.64x |
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 1999
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23234, Richmond, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,681 (100%) |
| Owner Occupied HU | 10,172 (54.5%) |
| Renter Occupied HU | 7,538 (40.4%) |
| Vacant Housing Units | 971 ( 5.2%) |
| Median Home Value | $316,894 |
| Average Home Value | $348,315 |
Housing Distribution
Address Breakdown
Residential
18,357
Single Family
16,954
Multi-Family
1,403
Businesses
765
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 1999
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23234, Richmond, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,681 (100%) |
| Owner Occupied HU | 10,172 (54.5%) |
| Renter Occupied HU | 7,538 (40.4%) |
| Vacant Housing Units | 971 ( 5.2%) |
| Median Home Value | $316,894 |
| Average Home Value | $348,315 |
Housing Distribution
Address Breakdown
Residential
18,357
Single Family
16,954
Multi-Family
1,403
Businesses
765
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices