Whitlock Plan, Bethany Creek ParkRichmondVA23236
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, Whitlock Plan, Bethany Creek Park, Richmond, VA, 23236 in Richmond earns a 8.77% gross yield at $434,990. Rent of $3,179/mo nets $579/mo after the $1,956/mo mortgage. The 1.63 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $120,180 and $4,006/yr in equity accumulation project a total cumulative return of $201,783.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.5% |
| Monthly Cash Flow | $579 | $450 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,179 |
| Total Monthly Debt Service | $2,427 |
| DSCR Ratio | 1.31x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23236, Richmond, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,328 (100%) |
| Owner Occupied HU | 9,703 (85.7%) |
| Renter Occupied HU | 1,337 (11.8%) |
| Vacant Housing Units | 288 ( 2.5%) |
| Median Home Value | $372,797 |
| Average Home Value | $437,998 |
Housing Distribution
Address Breakdown
Residential
11,090
Single Family
10,807
Multi-Family
283
Businesses
1,046
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 23236, Richmond, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,328 (100%) |
| Owner Occupied HU | 9,703 (85.7%) |
| Renter Occupied HU | 1,337 (11.8%) |
| Vacant Housing Units | 288 ( 2.5%) |
| Median Home Value | $372,797 |
| Average Home Value | $437,998 |
Housing Distribution
Address Breakdown
Residential
11,090
Single Family
10,807
Multi-Family
283
Businesses
1,046
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
