142 Water StreetRandolph CenterVT05061
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 142 Water Street, Randolph Center, VT, 05061 in Randolph Center. Priced at $295,000, it generates $3,816/mo in gross rent and $1,853/mo in net monthly cash flow, a 15.52% yield that comfortably supports the 2.88 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $22,241. Five-year appreciation: $81,503. Equity from principal paydown: $2,717/yr. Total projected cumulative return: $231,738.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.5% | 6.2% |
| Monthly Cash Flow | $1,853 | $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 | $3,816 |
| Total Monthly Debt Service | $1,845 |
| DSCR Ratio | 2.07x |
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 1900
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05061, Randolph Center, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 661 (100%) |
| Owner Occupied HU | 481 (72.8%) |
| Renter Occupied HU | 108 (16.3%) |
| Vacant Housing Units | 72 (10.9%) |
| Median Home Value | $320,556 |
| Average Home Value | $361,590 |
Housing Distribution
Address Breakdown
Residential
567
Single Family
567
Multi-Family
0
Businesses
17
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 1900
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05061, Randolph Center, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 661 (100%) |
| Owner Occupied HU | 481 (72.8%) |
| Renter Occupied HU | 108 (16.3%) |
| Vacant Housing Units | 72 (10.9%) |
| Median Home Value | $320,556 |
| Average Home Value | $361,590 |
Housing Distribution
Address Breakdown
Residential
567
Single Family
567
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices