809 Brook Creek RdToms BrookVA22660
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 809 Brook Creek Rd, Toms Brook, VA, 22660 in Toms Brook fits: $585,000, 3.59% gross yield, and a projected 5% annual appreciation rate adding $161,625 in value within five years. Rental yield 3.59%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.67) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,388/yr in principal paydown and $161,625 in appreciation project a total return of $108,987.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.2% |
| Monthly Cash Flow | $(1,745) | $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 | $1,752 |
| Total Monthly Debt Service | $3,264 |
| DSCR Ratio | 0.54x |
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 1900
34.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22660, Toms Brook, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 768 (100%) |
| Owner Occupied HU | 561 (73.0%) |
| Renter Occupied HU | 109 (14.2%) |
| Vacant Housing Units | 98 (12.8%) |
| Median Home Value | $313,000 |
| Average Home Value | $334,474 |
Housing Distribution
Address Breakdown
Residential
702
Single Family
702
Multi-Family
0
Businesses
41
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 1900
34.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22660, Toms Brook, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 768 (100%) |
| Owner Occupied HU | 561 (73.0%) |
| Renter Occupied HU | 109 (14.2%) |
| Vacant Housing Units | 98 (12.8%) |
| Median Home Value | $313,000 |
| Average Home Value | $334,474 |
Housing Distribution
Address Breakdown
Residential
702
Single Family
702
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandy Clem • Johnston and Rhodes Real Estate
Mls Name: Bright MLS
Mls ID: #VASH2012636