580 Ponton LnLovingstonVA22949
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 580 Ponton Ln, Lovingston, VA, 22949 in Lovingston at $299,900 earns $1,985/mo in rent and nets $192/mo after the $1,349/mo payment, a 7.94% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $82,857 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $2,762/yr in principal paydown, total projected return reaches $125,827.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $192 | $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 | $1,985 |
| Total Monthly Debt Service | $1,673 |
| DSCR Ratio | 1.19x |
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 1965
3.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22949, Lovingston, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 728 (100%) |
| Owner Occupied HU | 429 (58.9%) |
| Renter Occupied HU | 153 (21.0%) |
| Vacant Housing Units | 146 (20.1%) |
| Median Home Value | $447,895 |
| Average Home Value | $535,128 |
Housing Distribution
Address Breakdown
Residential
546
Single Family
546
Multi-Family
0
Businesses
128
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 1965
3.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22949, Lovingston, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 728 (100%) |
| Owner Occupied HU | 429 (58.9%) |
| Renter Occupied HU | 153 (21.0%) |
| Vacant Housing Units | 146 (20.1%) |
| Median Home Value | $447,895 |
| Average Home Value | $535,128 |
Housing Distribution
Address Breakdown
Residential
546
Single Family
546
Multi-Family
0
Businesses
128
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christy L. Johnson • Four Rivers Realty Group, Inc.
Mls Name: LMLS
Mls Provider:
Mls ID: #361037
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.