74 Harvest LnHudginsVA23076
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 74 Harvest Ln, Hudgins, VA, 23076 in Hudgins fits: $550,000, 4.94% gross yield, and a projected 5% annual appreciation rate adding $151,955 in value within five years. Rental yield 4.94%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.92) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,066/yr in principal paydown and $151,955 in appreciation project a total return of $142,206.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(1,023) | $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 | $2,264 |
| Total Monthly Debt Service | $3,069 |
| DSCR Ratio | 0.74x |
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 1954
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23076, Hudgins, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 926 (100%) |
| Owner Occupied HU | 383 (41.4%) |
| Renter Occupied HU | 79 ( 8.5%) |
| Vacant Housing Units | 464 (50.1%) |
| Median Home Value | $475,368 |
| Average Home Value | $536,345 |
Housing Distribution
Address Breakdown
Residential
328
Single Family
328
Multi-Family
0
Businesses
25
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 1954
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23076, Hudgins, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 926 (100%) |
| Owner Occupied HU | 383 (41.4%) |
| Renter Occupied HU | 79 ( 8.5%) |
| Vacant Housing Units | 464 (50.1%) |
| Median Home Value | $475,368 |
| Average Home Value | $536,345 |
Housing Distribution
Address Breakdown
Residential
328
Single Family
328
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anita H Ottarson • Nancy R. Pannell Real Estate
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2429436
Disclaimer: All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listing s. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are 2023 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.