10 Waverly CircleColchesterVT05446
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 10 Waverly Circle, Colchester, VT, 05446 in Colchester at $134,900 earns $1,013/mo in rent and nets $116/mo after the $607/mo payment, a 9.01% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $37,270 over five years. Ziffy Mortgage underwrites this on a 1.67 DSCR without U.S. credit history. With $1,242/yr in principal paydown, total projected return reaches $58,830.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.1% |
| Monthly Cash Flow | $116 | $1,980 |
City averages based on Colchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,013 |
| Total Monthly Debt Service | $844 |
| DSCR Ratio | 1.20x |
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.
Manufactured
Built in 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05446, Colchester, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,960 (100%) |
| Owner Occupied HU | 5,376 (67.5%) |
| Renter Occupied HU | 1,892 (23.8%) |
| Vacant Housing Units | 692 ( 8.7%) |
| Median Home Value | $480,150 |
| Average Home Value | $541,069 |
Housing Distribution
Address Breakdown
Residential
7,427
Single Family
7,273
Multi-Family
154
Businesses
633
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
Manufactured
Built in 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05446, Colchester, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,960 (100%) |
| Owner Occupied HU | 5,376 (67.5%) |
| Renter Occupied HU | 1,892 (23.8%) |
| Vacant Housing Units | 692 ( 8.7%) |
| Median Home Value | $480,150 |
| Average Home Value | $541,069 |
Housing Distribution
Address Breakdown
Residential
7,427
Single Family
7,273
Multi-Family
154
Businesses
633
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Flex Realty Group • Flex Realty
Mls Name: PrimeMLS
Mls ID: #5066756