11 Stoddards ViewGales FerryCT06335
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 11 Stoddards View, Gales Ferry, CT, 06335 in Gales Ferry is narrow, $128/mo net on $4,102/mo rent after the $2,630/mo debt service, but the property operates at break-even-plus, not a loss. At $584,900 with a 8.41% yield, the long-run equity case via 5% appreciation ($161,597 over five years) and $5,387/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.56 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $231,570.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $128 | $300 |
City averages based on Gales Ferry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,102 |
| Total Monthly Debt Service | $3,741 |
| DSCR Ratio | 1.10x |
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 2016
1.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06335, Gales Ferry, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,719 (100%) |
| Owner Occupied HU | 2,191 (80.6%) |
| Renter Occupied HU | 375 (13.8%) |
| Vacant Housing Units | 153 ( 5.6%) |
| Median Home Value | $332,483 |
| Average Home Value | $361,753 |
Housing Distribution
Address Breakdown
Residential
2,646
Single Family
2,616
Multi-Family
30
Businesses
157
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 2016
1.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06335, Gales Ferry, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,719 (100%) |
| Owner Occupied HU | 2,191 (80.6%) |
| Renter Occupied HU | 375 (13.8%) |
| Vacant Housing Units | 153 ( 5.6%) |
| Median Home Value | $332,483 |
| Average Home Value | $361,753 |
Housing Distribution
Address Breakdown
Residential
2,646
Single Family
2,616
Multi-Family
30
Businesses
157
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Megan K. Osborne • Willow Properties
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24108261
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.