9417 Pacific Elm St LOT 238FredericksburgVA22407
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.19% yield at 9417 Pacific Elm St LOT 238, Fredericksburg, VA, 22407 in Fredericksburg is solid, but the $1,976/mo payment compresses net cash flow to $7/mo at $439,530. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $121,434 by year five, and $4,048/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.33) without U.S. income documentation. Total projected return: $166,710.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.8% |
| Monthly Cash Flow | $7 | $450 |
City averages based on Fredericksburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,634 |
| Total Monthly Debt Service | $2,453 |
| DSCR Ratio | 1.07x |
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.
Townhouse
Built in 2025
3,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22407, Fredericksburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,359 (100%) |
| Owner Occupied HU | 17,960 (70.8%) |
| Renter Occupied HU | 6,260 (24.7%) |
| Vacant Housing Units | 1,139 ( 4.5%) |
| Median Home Value | $455,376 |
| Average Home Value | $499,155 |
Housing Distribution
Address Breakdown
Residential
23,817
Single Family
21,638
Multi-Family
2,179
Businesses
1,223
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 2025
3,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 22407, Fredericksburg, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,359 (100%) |
| Owner Occupied HU | 17,960 (70.8%) |
| Renter Occupied HU | 6,260 (24.7%) |
| Vacant Housing Units | 1,139 ( 4.5%) |
| Median Home Value | $455,376 |
| Average Home Value | $499,155 |
Housing Distribution
Address Breakdown
Residential
23,817
Single Family
21,638
Multi-Family
2,179
Businesses
1,223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sylvia Cowles • Sylvia Scott Cowles
Mls Name: Bright MLS
Mls ID: #VASP2035112