109 Hog Island RoadSwantonVT05488
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 109 Hog Island Road, Swanton, VT, 05488 in Swanton at $485,000 earns $3,366/mo in rent and nets $139/mo after the $2,181/mo payment, a 8.33% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $133,997 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $4,467/yr in principal paydown, total projected return reaches $193,893.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.8% |
| Monthly Cash Flow | $139 | $420 |
City averages based on Swanton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,366 |
| Total Monthly Debt Service | $3,034 |
| DSCR Ratio | 1.11x |
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 1981
1.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05488, Swanton, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,772 (100%) |
| Owner Occupied HU | 2,503 (66.4%) |
| Renter Occupied HU | 690 (18.3%) |
| Vacant Housing Units | 579 (15.3%) |
| Median Home Value | $333,682 |
| Average Home Value | $378,596 |
Housing Distribution
Address Breakdown
Residential
3,335
Single Family
3,276
Multi-Family
59
Businesses
178
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 1981
1.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05488, Swanton, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,772 (100%) |
| Owner Occupied HU | 2,503 (66.4%) |
| Renter Occupied HU | 690 (18.3%) |
| Vacant Housing Units | 579 (15.3%) |
| Median Home Value | $333,682 |
| Average Home Value | $378,596 |
Housing Distribution
Address Breakdown
Residential
3,335
Single Family
3,276
Multi-Family
59
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices