815 Chappell RdCharlestonWV25304
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 815 Chappell Rd, Charleston, WV, 25304 in Charleston speaks for itself: 10.25% gross on a $319,900 price, generating $2,731/mo in rent and $880/mo in net income after the $1,438/mo debt service. DSCR 1.90, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,563 stacks alongside $88,382 in projected five-year appreciation and $2,946/yr in principal reduction. Projected total cumulative return: $177,419.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 9.8% |
| Monthly Cash Flow | $880 | $425 |
City averages based on Charleston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,731 |
| Total Monthly Debt Service | $1,724 |
| DSCR Ratio | 1.58x |
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.
Single Family
Built in 1980
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25304, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,051 (100%) |
| Owner Occupied HU | 2,230 (55.0%) |
| Renter Occupied HU | 1,332 (32.9%) |
| Vacant Housing Units | 489 (12.1%) |
| Median Home Value | $265,283 |
| Average Home Value | $351,439 |
Housing Distribution
Address Breakdown
Residential
3,935
Single Family
3,489
Multi-Family
446
Businesses
484
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 1980
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25304, Charleston, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,051 (100%) |
| Owner Occupied HU | 2,230 (55.0%) |
| Renter Occupied HU | 1,332 (32.9%) |
| Vacant Housing Units | 489 (12.1%) |
| Median Home Value | $265,283 |
| Average Home Value | $351,439 |
Housing Distribution
Address Breakdown
Residential
3,935
Single Family
3,489
Multi-Family
446
Businesses
484
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Rice • Old Colony
Mls Name: KVBR
Mls ID: #280033