815 Stony Creek RdSuttonWV26601
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 815 Stony Creek Rd, Sutton, WV, 26601 in Sutton is narrow, $109/mo net on $1,411/mo rent after the $1,012/mo debt service, but the property operates at break-even-plus, not a loss. At $225,000 with a 7.53% yield, the long-run equity case via 5% appreciation ($62,163 over five years) and $2,072/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $91,944.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $109 | $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 | $1,411 |
| Total Monthly Debt Service | $1,212 |
| DSCR Ratio | 1.16x |
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 1977
5.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26601, Sutton, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,860 (100%) |
| Owner Occupied HU | 1,178 (63.3%) |
| Renter Occupied HU | 376 (20.2%) |
| Vacant Housing Units | 306 (16.5%) |
| Median Home Value | $109,722 |
| Average Home Value | $145,461 |
Housing Distribution
Address Breakdown
Residential
1,735
Single Family
1,735
Multi-Family
0
Businesses
209
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 1977
5.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26601, Sutton, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,860 (100%) |
| Owner Occupied HU | 1,178 (63.3%) |
| Renter Occupied HU | 376 (20.2%) |
| Vacant Housing Units | 306 (16.5%) |
| Median Home Value | $109,722 |
| Average Home Value | $145,461 |
Housing Distribution
Address Breakdown
Residential
1,735
Single Family
1,735
Multi-Family
0
Businesses
209
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11666739