1276 Creamery RoadSouth RyegateVT05069
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1276 Creamery Road, South Ryegate, VT, 05069 in South Ryegate is narrow, $103/mo net on $1,766/mo rent after the $1,124/mo debt service, but the property operates at break-even-plus, not a loss. At $249,950 with a 8.48% yield, the long-run equity case via 5% appreciation ($69,057 over five years) and $2,302/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $101,949.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $103 | $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 | $1,766 |
| Total Monthly Debt Service | $1,563 |
| DSCR Ratio | 1.13x |
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 1870
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05069, South Ryegate, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 362 (100%) |
| Owner Occupied HU | 245 (67.7%) |
| Renter Occupied HU | 29 ( 8.0%) |
| Vacant Housing Units | 88 (24.3%) |
| Median Home Value | $288,953 |
| Average Home Value | $328,755 |
Housing Distribution
Address Breakdown
Residential
199
Single Family
199
Multi-Family
0
Businesses
12
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 1870
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05069, South Ryegate, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 362 (100%) |
| Owner Occupied HU | 245 (67.7%) |
| Renter Occupied HU | 29 ( 8.0%) |
| Vacant Housing Units | 88 (24.3%) |
| Median Home Value | $288,953 |
| Average Home Value | $328,755 |
Housing Distribution
Address Breakdown
Residential
199
Single Family
199
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5077063