SIENNA Plan, King William County Spot LotsWest PointVA23181
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at SIENNA Plan, King William County Spot Lots, West Point, VA, 23181 in West Point: $2,905/mo in rent, $819/mo in net income, 9.9% gross yield, 1.79 DSCR, all at $359,990. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $99,459 in appreciation and $3,316/yr in principal paydown projects total cumulative return of $184,679.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $819 | $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 | $2,905 |
| Total Monthly Debt Service | $2,009 |
| DSCR Ratio | 1.45x |
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.
Single Family
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23181, West Point, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,721 (100%) |
| Owner Occupied HU | 2,009 (73.8%) |
| Renter Occupied HU | 522 (19.2%) |
| Vacant Housing Units | 190 ( 7.0%) |
| Median Home Value | $321,447 |
| Average Home Value | $389,561 |
Housing Distribution
Address Breakdown
Residential
1,901
Single Family
1,861
Multi-Family
40
Businesses
208
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
Single Family
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23181, West Point, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,721 (100%) |
| Owner Occupied HU | 2,009 (73.8%) |
| Renter Occupied HU | 522 (19.2%) |
| Vacant Housing Units | 190 ( 7.0%) |
| Median Home Value | $321,447 |
| Average Home Value | $389,561 |
Housing Distribution
Address Breakdown
Residential
1,901
Single Family
1,861
Multi-Family
40
Businesses
208
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • D.R. Horton
Mls Name: DR Horton
Mls Provider:
Mls ID: #N/A