136 Murray Hill Drive #25MontpelierVT05602
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.27% yield at 136 Murray Hill Drive #25, Montpelier, VT, 05602 in Montpelier is solid, but the $2,113/mo payment compresses net cash flow to $114/mo at $469,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $129,825 by year five, and $4,328/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.53) without U.S. income documentation. Total projected return: $186,451.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.8% |
| Monthly Cash Flow | $114 | $850 |
City averages based on Montpelier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,240 |
| Total Monthly Debt Service | $2,939 |
| DSCR Ratio | 1.10x |
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.
Condo
Built in 1986
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05602, Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,099 (100%) |
| Owner Occupied HU | 3,698 (60.6%) |
| Renter Occupied HU | 1,967 (32.3%) |
| Vacant Housing Units | 434 ( 7.1%) |
| Median Home Value | $386,997 |
| Average Home Value | $427,179 |
Housing Distribution
Address Breakdown
Residential
6,056
Single Family
5,636
Multi-Family
420
Businesses
730
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
Condo
Built in 1986
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05602, Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,099 (100%) |
| Owner Occupied HU | 3,698 (60.6%) |
| Renter Occupied HU | 1,967 (32.3%) |
| Vacant Housing Units | 434 ( 7.1%) |
| Median Home Value | $386,997 |
| Average Home Value | $427,179 |
Housing Distribution
Address Breakdown
Residential
6,056
Single Family
5,636
Multi-Family
420
Businesses
730
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Timothy Heney • Heney Realtors - Element Real Estate (Montpelier)
Mls Name: PrimeMLS
Mls ID: #5041962