125 Cheshire RdProspectCT06712
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 125 Cheshire Rd, Prospect, CT, 06712 in Prospect. Priced at $349,000, it generates $3,475/mo in gross rent and $1,104/mo in net monthly cash flow, a 11.95% yield that comfortably supports the 2.21 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $13,245. Five-year appreciation: $96,422. Equity from principal paydown: $3,214/yr. Total projected cumulative return: $204,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 5.0% |
| Monthly Cash Flow | $1,104 | $250 |
City averages based on Prospect market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,475 |
| Total Monthly Debt Service | $2,232 |
| DSCR Ratio | 1.56x |
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 1946
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06712, Prospect, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,813 (100%) |
| Owner Occupied HU | 3,462 (90.8%) |
| Renter Occupied HU | 242 ( 6.3%) |
| Vacant Housing Units | 109 ( 2.9%) |
| Median Home Value | $422,004 |
| Average Home Value | $449,272 |
Housing Distribution
Address Breakdown
Residential
3,663
Single Family
3,663
Multi-Family
0
Businesses
314
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 1946
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06712, Prospect, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,813 (100%) |
| Owner Occupied HU | 3,462 (90.8%) |
| Renter Occupied HU | 242 ( 6.3%) |
| Vacant Housing Units | 109 ( 2.9%) |
| Median Home Value | $422,004 |
| Average Home Value | $449,272 |
Housing Distribution
Address Breakdown
Residential
3,663
Single Family
3,663
Multi-Family
0
Businesses
314
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Richard Pavlik • Pavlik Real Estate LLC
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24076146
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.