28 Shingleton RdSpelterWV26438
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow28 Shingleton Rd, Spelter, WV, 26438 in Spelter is a top-tier cash-flow asset. At $125,000 it produces $1,441/mo in rent and $718/mo in net monthly income, a 13.84% gross rental yield. The DSCR of 2.56 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,615. Five-year appreciation adds $34,535, driving a total cumulative return of $93,403.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.8% | 6.2% |
| Monthly Cash Flow | $718 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,441 |
| Total Monthly Debt Service | $674 |
| DSCR Ratio | 2.14x |
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 1912
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26438, Spelter, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 81 (100%) |
| Owner Occupied HU | 42 (51.9%) |
| Renter Occupied HU | 30 (37.0%) |
| Vacant Housing Units | 9 (11.1%) |
| Median Home Value | $162,500 |
| Average Home Value | $185,655 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
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
Single Family
Built in 1912
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 26438, Spelter, WV area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 81 (100%) |
| Owner Occupied HU | 42 (51.9%) |
| Renter Occupied HU | 30 (37.0%) |
| Vacant Housing Units | 9 (11.1%) |
| Median Home Value | $162,500 |
| Average Home Value | $185,655 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CINDY RIDDLE • PREFERRED PROPERTIES
Mls Name: NCWV REIN
Mls Provider:
Mls ID: #10158758