Route 64 Upton Creek RdSpurlockvilleWV25565
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, Route 64 Upton Creek Rd, Spurlockville, WV, 25565 in Spurlockville earns a 12.2% gross yield at $109,200. Rent of $1,110/mo nets $478/mo after the $491/mo mortgage. The 2.26 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $30,170 and $1,006/yr in equity accumulation project a total cumulative return of $72,014.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.2% |
| Monthly Cash Flow | $478 | $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 | $1,110 |
| Total Monthly Debt Service | $588 |
| DSCR Ratio | 1.89x |
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
78.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25565, Spurlockville, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 86 (100%) |
| Owner Occupied HU | 58 (67.4%) |
| Renter Occupied HU | 14 (16.3%) |
| Vacant Housing Units | 14 (16.3%) |
| Median Home Value | $83,846 |
| Average Home Value | $119,957 |
Housing Distribution
Address Breakdown
Residential
260
Single Family
260
Multi-Family
0
Businesses
3
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
78.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 25565, Spurlockville, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 86 (100%) |
| Owner Occupied HU | 58 (67.4%) |
| Renter Occupied HU | 14 (16.3%) |
| Vacant Housing Units | 14 (16.3%) |
| Median Home Value | $83,846 |
| Average Home Value | $119,957 |
Housing Distribution
Address Breakdown
Residential
260
Single Family
260
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paul Simmons • Runyan & Associates REALTORS
Mls Name: KVBR
Mls Provider:
Mls ID: #270833
Disclaimer: Copyright Kanawha Valley Board of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.