5314 Main DrSouth CharlestonWV25309
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 5314 Main Dr, South Charleston, WV, 25309 in South Charleston. Priced at $150,000, it generates $1,510/mo in gross rent and $642/mo in net monthly cash flow, a 12.08% yield that comfortably supports the 2.24 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,700. Five-year appreciation: $41,442. Equity from principal paydown: $1,382/yr. Total projected cumulative return: $98,012.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 6.8% |
| Monthly Cash Flow | $642 | $320 |
City averages based on South Charleston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,510 |
| Total Monthly Debt Service | $808 |
| DSCR Ratio | 1.87x |
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 1979
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25309, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,296 (100%) |
| Owner Occupied HU | 3,854 (61.2%) |
| Renter Occupied HU | 1,780 (28.3%) |
| Vacant Housing Units | 662 (10.5%) |
| Median Home Value | $155,048 |
| Average Home Value | $190,559 |
Housing Distribution
Address Breakdown
Residential
5,826
Single Family
5,080
Multi-Family
746
Businesses
446
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 1979
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25309, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,296 (100%) |
| Owner Occupied HU | 3,854 (61.2%) |
| Renter Occupied HU | 1,780 (28.3%) |
| Vacant Housing Units | 662 (10.5%) |
| Median Home Value | $155,048 |
| Average Home Value | $190,559 |
Housing Distribution
Address Breakdown
Residential
5,826
Single Family
5,080
Multi-Family
746
Businesses
446
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Danielle Masinter • Keller Williams Realty Advantage
Mls Name: KVBR
Mls Provider:
Mls ID: #277674
Disclaimer: Copyright Kanawha Valley Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.