823 Curry Ridge RdNapierWV26631
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.06% yield at 823 Curry Ridge Rd, Napier, WV, 26631 in Napier is solid, but the $809/mo payment compresses net cash flow to $168/mo at $180,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $49,731 by year five, and $1,658/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $78,835.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $168 | $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 | $1,210 |
| Total Monthly Debt Service | $970 |
| DSCR Ratio | 1.25x |
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 2000
2.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26631, Napier, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 85 (100%) |
| Owner Occupied HU | 46 (54.1%) |
| Renter Occupied HU | 9 (10.6%) |
| Vacant Housing Units | 30 (35.3%) |
| Median Home Value | $143,750 |
| Average Home Value | $174,076 |
Housing Distribution
Address Breakdown
Residential
128
Single Family
128
Multi-Family
0
Businesses
1
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 2000
2.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26631, Napier, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 85 (100%) |
| Owner Occupied HU | 46 (54.1%) |
| Renter Occupied HU | 9 (10.6%) |
| Vacant Housing Units | 30 (35.3%) |
| Median Home Value | $143,750 |
| Average Home Value | $174,076 |
Housing Distribution
Address Breakdown
Residential
128
Single Family
128
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gary Weaver • NELSON-HOWARD REAL ESTATE, LLC
Mls Name: NCWV REIN
Mls Provider:
Mls ID: #10158977
Disclaimer: Data provided by North Central WV Real Estate Information Network, Inc. IDX information is provided exclusively for consumers personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information last updated on 2025-04-20 11:22:27 PDT