795 Hardy RdLunenburgVA23952
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 795 Hardy Rd, Lunenburg, VA, 23952 in Lunenburg is listed at $204,900 and delivers $1,428/mo in rent and $203/mo in net monthly cash flow. The 8.36% yield and 1.47 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $56,610 over five years, and $1,718/yr in principal reduction supplements cash return. Total projected cumulative return: $86,804.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $203 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,428 |
| Total Monthly Debt Service | $1,193 |
| DSCR Ratio | 1.20x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1970
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23952, Lunenburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 137 (100%) |
| Owner Occupied HU | 93 (67.9%) |
| Renter Occupied HU | 15 (10.9%) |
| Vacant Housing Units | 29 (21.2%) |
| Median Home Value | $157,065 |
| Average Home Value | $186,505 |
Housing Distribution
Address Breakdown
Residential
99
Single Family
99
Multi-Family
0
Businesses
4
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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
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