14 Upper Newton StreetSaint AlbansVT05478
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 14 Upper Newton Street, Saint Albans, VT, 05478 in Saint Albans at $209,900 earns $1,468/mo in rent and nets $72/mo after the $944/mo payment, a 8.39% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $57,992 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $1,933/yr in principal paydown, total projected return reaches $84,622.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $72 | $850 |
City averages based on Saint Albans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,468 |
| Total Monthly Debt Service | $1,313 |
| DSCR Ratio | 1.12x |
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 1920
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
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 1920
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5076769