LOT 83 Winterplace DrCharles TownWV25414
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: LOT 83 Winterplace Dr, Charles Town, WV, 25414 in Charles Town at $388,625 earns $2,400/mo in rent and nets $76/mo after the $1,748/mo payment, a 7.41% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $107,370 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $3,579/yr in principal paydown, total projected return reaches $151,914.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.8% |
| Monthly Cash Flow | $76 | $450 |
City averages based on Charles Town market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $2,169 |
| DSCR Ratio | 1.11x |
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 2024
N/A lot
$N/A/sqft
$75 monthly HOA
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 2024
N/A lot
$N/A/sqft
$75 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices