128 Main StreetCoventryVT05825
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 128 Main Street, Coventry, VT, 05825 in Coventry is narrow, $178/mo net on $1,439/mo rent after the $852/mo debt service, but the property operates at break-even-plus, not a loss. At $189,500 with a 9.11% yield, the long-run equity case via 5% appreciation ($52,355 over five years) and $1,745/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $83,707.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $178 | $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 | $1,439 |
| Total Monthly Debt Service | $1,185 |
| DSCR Ratio | 1.21x |
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 1830
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05825, Coventry, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 72 (100%) |
| Owner Occupied HU | 59 (81.9%) |
| Renter Occupied HU | 13 (18.1%) |
| Vacant Housing Units | 0 |
| Median Home Value | $255,000 |
| Average Home Value | $300,890 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
8
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 1830
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05825, Coventry, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 72 (100%) |
| Owner Occupied HU | 59 (81.9%) |
| Renter Occupied HU | 13 (18.1%) |
| Vacant Housing Units | 0 |
| Median Home Value | $255,000 |
| Average Home Value | $300,890 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices