Vail Plan, The Villas at Swift CreekChesterfieldVA23120
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate Vail Plan, The Villas at Swift Creek, Chesterfield, VA, 23120 in Chesterfield. At $549,000 it earns $3,558/mo in rent and distributes $276/mo to the owner after the $2,469/mo payment, a consistent 7.78% yield. DSCR 1.44 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $151,679 in value; $5,056/yr in principal paydown compounds ownership stake. Total projected return: $225,457.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $276 | $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 | $3,558 |
| Total Monthly Debt Service | $3,063 |
| DSCR Ratio | 1.16x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23120, Moseley, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,429 (100%) |
| Owner Occupied HU | 4,753 (87.5%) |
| Renter Occupied HU | 535 ( 9.9%) |
| Vacant Housing Units | 141 ( 2.6%) |
| Median Home Value | $564,030 |
| Average Home Value | $578,969 |
Housing Distribution
Address Breakdown
Residential
6,308
Single Family
6,308
Multi-Family
0
Businesses
103
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23120, Moseley, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,429 (100%) |
| Owner Occupied HU | 4,753 (87.5%) |
| Renter Occupied HU | 535 ( 9.9%) |
| Vacant Housing Units | 141 ( 2.6%) |
| Median Home Value | $564,030 |
| Average Home Value | $578,969 |
Housing Distribution
Address Breakdown
Residential
6,308
Single Family
6,308
Multi-Family
0
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Boone Homes
Mls Name: Boone Homes
Mls ID: #N/A