5440 New Line RdGum SpringVA23065
INVESTMENT ANALYSIS
Investment Verdict
Solid Income5440 New Line Rd, Gum Spring, VA, 23065 in Gum Spring is a solid income-producing rental, 8.83% gross yield, $2,281/mo rent, $413/mo net cash flow on a $309,999 buy. DSCR 1.64 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $85,647 and $2,855/yr in principal reduction project a total cumulative return of $143,868.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $413 | $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 | $2,281 |
| Total Monthly Debt Service | $1,745 |
| DSCR Ratio | 1.31x |
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 2022
0.55 Acres lot
$N/A/sqft
$184 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23065, Gum Spring, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 701 (100%) |
| Owner Occupied HU | 572 (81.6%) |
| Renter Occupied HU | 70 ( 10.0%) |
| Vacant Housing Units | 59 ( 8.4%) |
| Median Home Value | $337,037 |
| Average Home Value | $400,992 |
Housing Distribution
Address Breakdown
Residential
691
Single Family
691
Multi-Family
0
Businesses
37
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 2022
0.55 Acres lot
$N/A/sqft
$184 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23065, Gum Spring, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 701 (100%) |
| Owner Occupied HU | 572 (81.6%) |
| Renter Occupied HU | 70 ( 10.0%) |
| Vacant Housing Units | 59 ( 8.4%) |
| Median Home Value | $337,037 |
| Average Home Value | $400,992 |
Housing Distribution
Address Breakdown
Residential
691
Single Family
691
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tyler Ruger • CapCenter
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2424362
Disclaimer: All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listing s. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are 2023 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.