898 Spruce DrPamplinVA23958
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 898 Spruce Dr, Pamplin, VA, 23958 in Pamplin earns a 8.36% gross yield at $325,000. Rent of $2,264/mo nets $322/mo after the $1,461/mo mortgage. The 1.55 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $89,792 and $2,993/yr in equity accumulation project a total cumulative return of $143,622.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $322 | $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 | $2,264 |
| Total Monthly Debt Service | $1,813 |
| 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 2023
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23958, Pamplin, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,678 (100%) |
| Owner Occupied HU | 1,093 (65.1%) |
| Renter Occupied HU | 292 (17.4%) |
| Vacant Housing Units | 293 (17.5%) |
| Median Home Value | $223,050 |
| Average Home Value | $270,167 |
Housing Distribution
Address Breakdown
Residential
1,359
Single Family
1,359
Multi-Family
0
Businesses
25
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 2023
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23958, Pamplin, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,678 (100%) |
| Owner Occupied HU | 1,093 (65.1%) |
| Renter Occupied HU | 292 (17.4%) |
| Vacant Housing Units | 293 (17.5%) |
| Median Home Value | $223,050 |
| Average Home Value | $270,167 |
Housing Distribution
Address Breakdown
Residential
1,359
Single Family
1,359
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices