59 N Ridgemont WayShepherdstownWV25443
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 59 N Ridgemont Way, Shepherdstown, WV, 25443 in Shepherdstown. Rental yield 5.54%. At $952,500 with 5.54% gross yield, current distributions are modest, but the 5% appreciation rate projects $263,158 in new equity by year five, complemented by $8,773/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.03) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $280,244.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(1,241) | $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 | $4,396 |
| Total Monthly Debt Service | $5,258 |
| DSCR Ratio | 0.84x |
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 2018
0.75 Acres lot
$N/A/sqft
$45 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25443, Shepherdstown, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,231 (100%) |
| Owner Occupied HU | 2,320 (71.8%) |
| Renter Occupied HU | 605 (18.7%) |
| Vacant Housing Units | 306 ( 9.5%) |
| Median Home Value | $443,854 |
| Average Home Value | $478,571 |
Housing Distribution
Address Breakdown
Residential
2,395
Single Family
2,347
Multi-Family
48
Businesses
289
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 2018
0.75 Acres lot
$N/A/sqft
$45 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25443, Shepherdstown, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,231 (100%) |
| Owner Occupied HU | 2,320 (71.8%) |
| Renter Occupied HU | 605 (18.7%) |
| Vacant Housing Units | 306 ( 9.5%) |
| Median Home Value | $443,854 |
| Average Home Value | $478,571 |
Housing Distribution
Address Breakdown
Residential
2,395
Single Family
2,347
Multi-Family
48
Businesses
289
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A