871 Chapman RdStanardsvilleVA22973
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 871 Chapman Rd, Stanardsville, VA, 22973 in Stanardsville deserves attention. This $149,900 property earns $2,402/mo in rent, a 19.23% gross yield, and nets $1,506/mo after the $674/mo payment. DSCR 3.56 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $41,415 compounds alongside $1,381/yr in yearly equity build, for a total cumulative return of $153,623.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 19.2% | 6.2% |
| Monthly Cash Flow | $1,506 | $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 | $2,402 |
| Total Monthly Debt Service | $836 |
| DSCR Ratio | 2.87x |
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 1900
2.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22973, Stanardsville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,307 (100%) |
| Owner Occupied HU | 2,234 (67.6%) |
| Renter Occupied HU | 570 (17.2%) |
| Vacant Housing Units | 503 (15.2%) |
| Median Home Value | $378,035 |
| Average Home Value | $430,607 |
Housing Distribution
Address Breakdown
Residential
2,612
Single Family
2,580
Multi-Family
32
Businesses
143
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
2.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22973, Stanardsville, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,307 (100%) |
| Owner Occupied HU | 2,234 (67.6%) |
| Renter Occupied HU | 570 (17.2%) |
| Vacant Housing Units | 503 (15.2%) |
| Median Home Value | $378,035 |
| Average Home Value | $430,607 |
Housing Distribution
Address Breakdown
Residential
2,612
Single Family
2,580
Multi-Family
32
Businesses
143
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: HEGARTY_PEERY REALTORS • KELLER WILLIAMS ALLIANCE - CHARLOTTESVILLE
Mls Name: CAAR
Mls ID: #669006