11 Tessa Court #11EssexVT05452
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 11 Tessa Court #11, Essex, VT, 05452 in Essex at $595,000 earns $4,028/mo in rent and nets $70/mo after the $2,675/mo payment, a 8.12% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $164,388 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $5,480/yr in principal paydown, total projected return reaches $231,322.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $70 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,028 |
| Total Monthly Debt Service | $3,722 |
| DSCR Ratio | 1.08x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05452, Essex Junction, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,988 (100%) |
| Owner Occupied HU | 6,902 (69.1%) |
| Renter Occupied HU | 2,778 (27.8%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $450,641 |
| Average Home Value | $493,853 |
Housing Distribution
Address Breakdown
Residential
9,867
Single Family
9,092
Multi-Family
775
Businesses
603
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05452, Essex Junction, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,988 (100%) |
| Owner Occupied HU | 6,902 (69.1%) |
| Renter Occupied HU | 2,778 (27.8%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $450,641 |
| Average Home Value | $493,853 |
Housing Distribution
Address Breakdown
Residential
9,867
Single Family
9,092
Multi-Family
775
Businesses
603
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices