105 Brook StreetBarreVT05641
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.55% yield at 105 Brook Street, Barre, VT, 05641 in Barre is solid, but the $674/mo payment compresses net cash flow to $196/mo at $150,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $41,442 by year five, and $1,382/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.77) without U.S. income documentation. Total projected return: $69,872.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.8% |
| Monthly Cash Flow | $196 | $420 |
City averages based on Barre market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,194 |
| Total Monthly Debt Service | $938 |
| DSCR Ratio | 1.27x |
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 1860
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05641, Barre, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,187 (100%) |
| Owner Occupied HU | 4,984 (60.9%) |
| Renter Occupied HU | 2,480 (30.3%) |
| Vacant Housing Units | 723 ( 8.8%) |
| Median Home Value | $268,785 |
| Average Home Value | $310,666 |
Housing Distribution
Address Breakdown
Residential
7,195
Single Family
6,778
Multi-Family
417
Businesses
782
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 1860
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05641, Barre, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,187 (100%) |
| Owner Occupied HU | 4,984 (60.9%) |
| Renter Occupied HU | 2,480 (30.3%) |
| Vacant Housing Units | 723 ( 8.8%) |
| Median Home Value | $268,785 |
| Average Home Value | $310,666 |
Housing Distribution
Address Breakdown
Residential
7,195
Single Family
6,778
Multi-Family
417
Businesses
782
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices