904A Pennsylvania AveSaint AlbansWV25177
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 904A Pennsylvania Ave, Saint Albans, WV, 25177 in Saint Albans worth study. Rental yield 4.05%. The 4.05% gross yield is below cash-flow benchmarks at $320,000, but 5% annual appreciation, adding $88,410 over five years, frames this as a capital growth position. Rent of $1,080/mo partially offsets the $1,439/mo payment. Ziffy Mortgage finances appreciation-play properties (0.75 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $71,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 7.8% |
| Monthly Cash Flow | $(772) | $450 |
City averages based on Saint Albans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,080 |
| Total Monthly Debt Service | $1,724 |
| DSCR Ratio | 0.63x |
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.
Townhouse
Built in 1997
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25177, Saint Albans, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,166 (100%) |
| Owner Occupied HU | 7,085 (63.5%) |
| Renter Occupied HU | 2,718 (24.3%) |
| Vacant Housing Units | 1,363 (12.2%) |
| Median Home Value | $149,284 |
| Average Home Value | $183,971 |
Housing Distribution
Address Breakdown
Residential
10,279
Single Family
10,142
Multi-Family
137
Businesses
667
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
Townhouse
Built in 1997
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25177, Saint Albans, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,166 (100%) |
| Owner Occupied HU | 7,085 (63.5%) |
| Renter Occupied HU | 2,718 (24.3%) |
| Vacant Housing Units | 1,363 (12.2%) |
| Median Home Value | $149,284 |
| Average Home Value | $183,971 |
Housing Distribution
Address Breakdown
Residential
10,279
Single Family
10,142
Multi-Family
137
Businesses
667
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kresta Hill • Berkshire Hathaway HS GER
Mls Name: KVBR
Mls ID: #280800