6513 Topsail Point NRichmondVA23234
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 6513 Topsail Point N, Richmond, VA, 23234 in Richmond earns a 9.72% gross yield at $344,990. Rent of $2,794/mo nets $526/mo after the $1,551/mo mortgage. The 1.80 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $95,314 and $3,177/yr in equity accumulation project a total cumulative return of $165,342.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.5% |
| Monthly Cash Flow | $526 | $450 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,794 |
| Total Monthly Debt Service | $2,130 |
| 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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
$205 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23234, Richmond, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,681 (100%) |
| Owner Occupied HU | 10,172 (54.5%) |
| Renter Occupied HU | 7,538 (40.4%) |
| Vacant Housing Units | 971 ( 5.2%) |
| Median Home Value | $316,894 |
| Average Home Value | $348,315 |
Housing Distribution
Address Breakdown
Residential
18,357
Single Family
16,954
Multi-Family
1,403
Businesses
765
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
$205 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23234, Richmond, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,681 (100%) |
| Owner Occupied HU | 10,172 (54.5%) |
| Renter Occupied HU | 7,538 (40.4%) |
| Vacant Housing Units | 971 ( 5.2%) |
| Median Home Value | $316,894 |
| Average Home Value | $348,315 |
Housing Distribution
Address Breakdown
Residential
18,357
Single Family
16,954
Multi-Family
1,403
Businesses
765
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
