55 Washington CirKinsaleVA22488
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.22% yield at 55 Washington Cir, Kinsale, VA, 22488 in Kinsale is solid, but the $1,821/mo payment compresses net cash flow to $16/mo at $405,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $111,894 by year five, and $3,730/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.34) without U.S. income documentation. Total projected return: $154,279.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.2% |
| Monthly Cash Flow | $16 | $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 | $2,437 |
| Total Monthly Debt Service | $2,260 |
| DSCR Ratio | 1.08x |
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 2009
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22488, Kinsale, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 904 (100%) |
| Owner Occupied HU | 432 (47.8%) |
| Renter Occupied HU | 123 (13.6%) |
| Vacant Housing Units | 349 (38.6%) |
| Median Home Value | $367,692 |
| Average Home Value | $417,807 |
Housing Distribution
Address Breakdown
Residential
620
Single Family
620
Multi-Family
0
Businesses
42
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 2009
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22488, Kinsale, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 904 (100%) |
| Owner Occupied HU | 432 (47.8%) |
| Renter Occupied HU | 123 (13.6%) |
| Vacant Housing Units | 349 (38.6%) |
| Median Home Value | $367,692 |
| Average Home Value | $417,807 |
Housing Distribution
Address Breakdown
Residential
620
Single Family
620
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Thebra D Lawrence • KW Allegiance
Mls Name: Chesapeake Bay & Rivers AOR
Mls ID: #2419789
Disclaimer: All or a portion of the multiple Listing information is provided by the CBRAR Property Services, Inc. Multiple Listing Service, from a copyrighted compilation of Listings. All CBRAR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are 2024 CBRAR Property Services, Inc. All rights reserved.