528 Herman AveMorgantownWV26505
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 528 Herman Ave, Morgantown, WV, 26505 in Morgantown speaks for itself: 11.86% gross on a $174,900 price, generating $1,728/mo in rent and $689/mo in net income after the $786/mo debt service. DSCR 2.20, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,267 stacks alongside $48,322 in projected five-year appreciation and $1,611/yr in principal reduction. Projected total cumulative return: $110,485.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 5.2% |
| Monthly Cash Flow | $689 | $450 |
City averages based on Morgantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,728 |
| Total Monthly Debt Service | $970 |
| DSCR Ratio | 1.78x |
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 1930
4,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26505, Morgantown, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,140 (100%) |
| Owner Occupied HU | 5,084 (25.2%) |
| Renter Occupied HU | 12,389 (61.5%) |
| Vacant Housing Units | 2,667 (13.2%) |
| Median Home Value | $293,024 |
| Average Home Value | $345,737 |
Housing Distribution
Address Breakdown
Residential
18,392
Single Family
13,304
Multi-Family
5,088
Businesses
1,351
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 1930
4,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26505, Morgantown, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,140 (100%) |
| Owner Occupied HU | 5,084 (25.2%) |
| Renter Occupied HU | 12,389 (61.5%) |
| Vacant Housing Units | 2,667 (13.2%) |
| Median Home Value | $293,024 |
| Average Home Value | $345,737 |
Housing Distribution
Address Breakdown
Residential
18,392
Single Family
13,304
Multi-Family
5,088
Businesses
1,351
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices