120 Bennington DriveBerlinVT05602
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 120 Bennington Drive, Berlin, VT, 05602 in Berlin is narrow, $149/mo net on $1,007/mo rent after the $580/mo debt service, but the property operates at break-even-plus, not a loss. At $129,000 with a 9.37% yield, the long-run equity case via 5% appreciation ($35,640 over five years) and $1,188/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.74 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $58,800.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $149 | $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 | $1,007 |
| Total Monthly Debt Service | $807 |
| DSCR Ratio | 1.25x |
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.
Manufactured
Built in 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05602, Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,099 (100%) |
| Owner Occupied HU | 3,698 (60.6%) |
| Renter Occupied HU | 1,967 (32.3%) |
| Vacant Housing Units | 434 ( 7.1%) |
| Median Home Value | $386,997 |
| Average Home Value | $427,179 |
Housing Distribution
Address Breakdown
Residential
6,056
Single Family
5,636
Multi-Family
420
Businesses
730
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
Manufactured
Built in 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05602, Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,099 (100%) |
| Owner Occupied HU | 3,698 (60.6%) |
| Renter Occupied HU | 1,967 (32.3%) |
| Vacant Housing Units | 434 ( 7.1%) |
| Median Home Value | $386,997 |
| Average Home Value | $427,179 |
Housing Distribution
Address Breakdown
Residential
6,056
Single Family
5,636
Multi-Family
420
Businesses
730
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices