111 Whetstone RoadHarwintonCT06791
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 111 Whetstone Road, Harwinton, CT, 06791 in Harwinton. Priced at $400,000, it generates $3,352/mo in gross rent and $634/mo in net monthly cash flow, a 10.05% yield that comfortably supports the 1.86 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,606. Five-year appreciation: $110,513. Equity from principal paydown: $3,684/yr. Total projected cumulative return: $193,498.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 7.0% |
| Monthly Cash Flow | $634 | $1,500 |
City averages based on Harwinton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,352 |
| Total Monthly Debt Service | $2,559 |
| DSCR Ratio | 1.31x |
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 1972
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06791, Harwinton, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,437 (100%) |
| Owner Occupied HU | 2,129 (87.4%) |
| Renter Occupied HU | 155 ( 6.4%) |
| Vacant Housing Units | 153 ( 6.3%) |
| Median Home Value | $399,199 |
| Average Home Value | $440,277 |
Housing Distribution
Address Breakdown
Residential
2,348
Single Family
2,336
Multi-Family
12
Businesses
125
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 1972
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06791, Harwinton, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,437 (100%) |
| Owner Occupied HU | 2,129 (87.4%) |
| Renter Occupied HU | 155 ( 6.4%) |
| Vacant Housing Units | 153 ( 6.3%) |
| Median Home Value | $399,199 |
| Average Home Value | $440,277 |
Housing Distribution
Address Breakdown
Residential
2,348
Single Family
2,336
Multi-Family
12
Businesses
125
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Smart MLS
Mls ID: #24161057