89 Oak DrSpencerWV25276
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow89 Oak Dr, Spencer, WV, 25276 in Spencer earns its strong cash-flow label: 11.17% yield, $1,759/mo rent, $666/mo net income, DSCR 2.07. The $189,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $52,217 by year five. Combined with $1,741/yr in principal paydown, total projected return reaches $114,167.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.2% |
| Monthly Cash Flow | $666 | $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 | $1,759 |
| Total Monthly Debt Service | $1,018 |
| DSCR Ratio | 1.73x |
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 1963
1.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25276, Spencer, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,565 (100%) |
| Owner Occupied HU | 2,068 (58.0%) |
| Renter Occupied HU | 913 (25.6%) |
| Vacant Housing Units | 584 (16.4%) |
| Median Home Value | $138,060 |
| Average Home Value | $205,079 |
Housing Distribution
Address Breakdown
Residential
3,322
Single Family
3,229
Multi-Family
93
Businesses
295
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 1963
1.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25276, Spencer, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,565 (100%) |
| Owner Occupied HU | 2,068 (58.0%) |
| Renter Occupied HU | 913 (25.6%) |
| Vacant Housing Units | 584 (16.4%) |
| Median Home Value | $138,060 |
| Average Home Value | $205,079 |
Housing Distribution
Address Breakdown
Residential
3,322
Single Family
3,229
Multi-Family
93
Businesses
295
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Nichols • Board-DePue Realty Co., LLC
Mls Name: My State MLS
Mls ID: #11650739