5722 James River RdGladstoneVA24553
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 5722 James River Rd, Gladstone, VA, 24553 in Gladstone. Rental yield 5.11%. At $495,000 with 5.11% gross yield, current distributions are modest, but the 5% appreciation rate projects $136,759 in new equity by year five, complemented by $4,559/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.82) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $114,977.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(851) | $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 | $1,836 |
| Total Monthly Debt Service | $2,762 |
| DSCR Ratio | 0.66x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1890
8.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24553, Gladstone, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 928 (100%) |
| Owner Occupied HU | 645 (69.5%) |
| Renter Occupied HU | 130 (14.0%) |
| Vacant Housing Units | 153 (16.5%) |
| Median Home Value | $243,447 |
| Average Home Value | $311,841 |
Housing Distribution
Address Breakdown
Residential
827
Single Family
827
Multi-Family
0
Businesses
20
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 1890
8.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24553, Gladstone, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 928 (100%) |
| Owner Occupied HU | 645 (69.5%) |
| Renter Occupied HU | 130 (14.0%) |
| Vacant Housing Units | 153 (16.5%) |
| Median Home Value | $243,447 |
| Average Home Value | $311,841 |
Housing Distribution
Address Breakdown
Residential
827
Single Family
827
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Janet Sue Miller • Century 21 Realty @ Home
Mls Name: LMLS
Mls Provider:
Mls ID: #359145
Disclaimer: IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed to be reliable but not guaranteed.