120 rocky ledge RoadEden MillsVT05653
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 120 rocky ledge Road, Eden Mills, VT, 05653 in Eden Mills is narrow, $121/mo net on $1,711/mo rent after the $1,075/mo debt service, but the property operates at break-even-plus, not a loss. At $239,000 with a 8.59% yield, the long-run equity case via 5% appreciation ($66,031 over five years) and $2,201/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $98,881.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $121 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,711 |
| Total Monthly Debt Service | $1,495 |
| DSCR Ratio | 1.14x |
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 1999
2.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05653, Eden Mills, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 409 (100%) |
| Owner Occupied HU | 195 (47.7%) |
| Renter Occupied HU | 32 ( 7.8%) |
| Vacant Housing Units | 182 (44.5%) |
| Median Home Value | $231,250 |
| Average Home Value | $280,910 |
Housing Distribution
Address Breakdown
Residential
168
Single Family
168
Multi-Family
0
Businesses
4
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 1999
2.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05653, Eden Mills, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 409 (100%) |
| Owner Occupied HU | 195 (47.7%) |
| Renter Occupied HU | 32 ( 7.8%) |
| Vacant Housing Units | 182 (44.5%) |
| Median Home Value | $231,250 |
| Average Home Value | $280,910 |
Housing Distribution
Address Breakdown
Residential
168
Single Family
168
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5085640