86 Golden Ridge RdLumberportWV26386
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.57% gross rental yield, 86 Golden Ridge Rd, Lumberport, WV, 26386 in Lumberport is priced for capital growth, not immediate cash flow. The $400,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $110,513 by year five, with $3,684/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.03) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $121,186.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.2% |
| Monthly Cash Flow | $(464) | $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 | $1,858 |
| Total Monthly Debt Service | $2,162 |
| DSCR Ratio | 0.86x |
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 1988
3.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26386, Lumberport, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 837 (100%) |
| Owner Occupied HU | 626 (74.8%) |
| Renter Occupied HU | 111 (13.3%) |
| Vacant Housing Units | 100 (11.9%) |
| Median Home Value | $163,053 |
| Average Home Value | $212,460 |
Housing Distribution
Address Breakdown
Residential
480
Single Family
480
Multi-Family
0
Businesses
26
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 1988
3.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26386, Lumberport, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 837 (100%) |
| Owner Occupied HU | 626 (74.8%) |
| Renter Occupied HU | 111 (13.3%) |
| Vacant Housing Units | 100 (11.9%) |
| Median Home Value | $163,053 |
| Average Home Value | $212,460 |
Housing Distribution
Address Breakdown
Residential
480
Single Family
480
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CLIFFORD WEBB • KAUFMAN REALTY AND AUCTIONS
Mls Name: NCWV REIN
Mls Provider:
Mls ID: #10160800
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 2025-08-03 12:36:19 PDT