121 Hillside AveWaterburyCT06710
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 121 Hillside Ave, Waterbury, CT, 06710 in Waterbury is a conservative rental investment at $410,000. Rental yield 6.07%. A 1.12 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $113,275; $3,776/yr in principal paydown supplements. Total projected return: $110,597.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 7.1% |
| Monthly Cash Flow | $(713) | $450 |
City averages based on Waterbury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,072 |
| Total Monthly Debt Service | $2,623 |
| DSCR Ratio | 0.79x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1918
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06710, Waterbury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,295 (100%) |
| Owner Occupied HU | 1,122 (26.1%) |
| Renter Occupied HU | 2,572 (59.9%) |
| Vacant Housing Units | 601 (14.0%) |
| Median Home Value | $266,864 |
| Average Home Value | $333,697 |
Housing Distribution
Address Breakdown
Residential
4,044
Single Family
3,217
Multi-Family
827
Businesses
120
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
Multi Family
Built in 1918
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06710, Waterbury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,295 (100%) |
| Owner Occupied HU | 1,122 (26.1%) |
| Renter Occupied HU | 2,572 (59.9%) |
| Vacant Housing Units | 601 (14.0%) |
| Median Home Value | $266,864 |
| Average Home Value | $333,697 |
Housing Distribution
Address Breakdown
Residential
4,044
Single Family
3,217
Multi-Family
827
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A