James River DrDisputantaVA23842
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowJames River Dr, Disputanta, VA, 23842 in Disputanta earns its strong cash-flow label: 11.62% yield, $1,889/mo rent, $723/mo net income, DSCR 2.15. The $195,000 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 $53,875 by year five. Combined with $1,796/yr in principal paydown, total projected return reaches $120,313.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $723 | $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 | $1,889 |
| Total Monthly Debt Service | $1,088 |
| DSCR Ratio | 1.74x |
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.
Lot
Built in N/A
40.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23842, Disputanta, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,884 (100%) |
| Owner Occupied HU | 2,337 (81.0%) |
| Renter Occupied HU | 329 (11.4%) |
| Vacant Housing Units | 218 ( 7.6%) |
| Median Home Value | $301,263 |
| Average Home Value | $367,852 |
Housing Distribution
Address Breakdown
Residential
2,899
Single Family
2,899
Multi-Family
0
Businesses
80
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
Lot
Built in N/A
40.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23842, Disputanta, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,884 (100%) |
| Owner Occupied HU | 2,337 (81.0%) |
| Renter Occupied HU | 329 (11.4%) |
| Vacant Housing Units | 218 ( 7.6%) |
| Median Home Value | $301,263 |
| Average Home Value | $367,852 |
Housing Distribution
Address Breakdown
Residential
2,899
Single Family
2,899
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ashley Oakley • Hometown Realty
Mls Name: CVRMLS
Mls Provider:
Mls ID: #2429455
Disclaimer: All or a portion of the multiple Listing information is provided by the Central Virginia Regional Multiple Listing Service, LLC, from a copyrighted compilation of Listing s. All CVR MLS information provided is deemed reliable but is not guaranteed accurate. The compilation of Listings and each individual Listing are 2023 Central Virginia Regional Multiple Listing Service, LLC. All rights reserved.