3199 Kibler Valley RdAraratVA24053
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3199 Kibler Valley Rd, Ararat, VA, 24053 in Ararat at $199,900, 5.04% gross yield, is a market-growth asset. Rental yield 5.04%. The $840/mo rent partially funds the $899/mo debt service; the core return is the 5%/yr price growth projected to add $55,229 over five years. Ziffy Mortgage's DSCR mortgage (0.93) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $52,790.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(355) | $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 | $840 |
| Total Monthly Debt Service | $1,115 |
| DSCR Ratio | 0.75x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Manufactured
Built in 1990
1.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24053, Ararat, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,303 (100%) |
| Owner Occupied HU | 786 (60.3%) |
| Renter Occupied HU | 244 (18.7%) |
| Vacant Housing Units | 273 (21.0%) |
| Median Home Value | $174,167 |
| Average Home Value | $239,253 |
Housing Distribution
Address Breakdown
Residential
1,099
Single Family
1,099
Multi-Family
0
Businesses
36
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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
Manufactured
Built in 1990
1.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24053, Ararat, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,303 (100%) |
| Owner Occupied HU | 786 (60.3%) |
| Renter Occupied HU | 244 (18.7%) |
| Vacant Housing Units | 273 (21.0%) |
| Median Home Value | $174,167 |
| Average Home Value | $239,253 |
Housing Distribution
Address Breakdown
Residential
1,099
Single Family
1,099
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices