138 White Birch DriveGuilfordCT06437
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 138 White Birch Drive, Guilford, CT, 06437 in Guilford, $490,000, 8.57% gross yield, $146/mo net income. Consider it a market-entry position, the $3,498/mo rent covers the $2,203/mo payment with a margin, and 5%/yr appreciation is projected to add $135,378 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.59) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $196,627.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.2% |
| Monthly Cash Flow | $146 | $1,200 |
City averages based on Guilford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,498 |
| Total Monthly Debt Service | $3,157 |
| DSCR Ratio | 1.11x |
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 1979
0.46 Acres lot
$N/A/sqft
$272 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06437, Guilford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,679 (100%) |
| Owner Occupied HU | 7,587 (78.4%) |
| Renter Occupied HU | 1,276 (13.2%) |
| Vacant Housing Units | 816 ( 8.4%) |
| Median Home Value | $566,268 |
| Average Home Value | $620,913 |
Housing Distribution
Address Breakdown
Residential
9,388
Single Family
9,159
Multi-Family
229
Businesses
989
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 1979
0.46 Acres lot
$N/A/sqft
$272 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06437, Guilford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,679 (100%) |
| Owner Occupied HU | 7,587 (78.4%) |
| Renter Occupied HU | 1,276 (13.2%) |
| Vacant Housing Units | 816 ( 8.4%) |
| Median Home Value | $566,268 |
| Average Home Value | $620,913 |
Housing Distribution
Address Breakdown
Residential
9,388
Single Family
9,159
Multi-Family
229
Businesses
989
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan Fair • Fair Realty
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24094167
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.