775 Long Island DrMonetaVA24121
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 775 Long Island Dr, Moneta, VA, 24121 in Moneta is capital appreciation. Rental yield 3.78%. The 3.78% gross yield at $1,299,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $358,890 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.70) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $254,862.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(3,676) | $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 | $4,090 |
| Total Monthly Debt Service | $7,248 |
| DSCR Ratio | 0.56x |
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 2001
0.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24121, Moneta, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,805 (100%) |
| Owner Occupied HU | 4,423 (56.7%) |
| Renter Occupied HU | 643 ( 8.2%) |
| Vacant Housing Units | 2,739 (35.1%) |
| Median Home Value | $493,149 |
| Average Home Value | $589,306 |
Housing Distribution
Address Breakdown
Residential
6,195
Single Family
6,011
Multi-Family
184
Businesses
414
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 2001
0.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24121, Moneta, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,805 (100%) |
| Owner Occupied HU | 4,423 (56.7%) |
| Renter Occupied HU | 643 ( 8.2%) |
| Vacant Housing Units | 2,739 (35.1%) |
| Median Home Value | $493,149 |
| Average Home Value | $589,306 |
Housing Distribution
Address Breakdown
Residential
6,195
Single Family
6,011
Multi-Family
184
Businesses
414
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices