145 Main Street #303LudlowVT05149
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 145 Main Street #303, Ludlow, VT, 05149 in Ludlow is narrow, $120/mo net on $1,750/mo rent after the $1,102/mo debt service, but the property operates at break-even-plus, not a loss. At $245,000 with a 8.57% yield, the long-run equity case via 5% appreciation ($67,689 over five years) and $2,256/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $101,140.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $120 | $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 | $1,750 |
| Total Monthly Debt Service | $1,532 |
| DSCR Ratio | 1.14x |
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 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05149, Ludlow, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,685 (100%) |
| Owner Occupied HU | 847 (23.0%) |
| Renter Occupied HU | 345 ( 9.4%) |
| Vacant Housing Units | 2,493 (67.7%) |
| Median Home Value | $393,256 |
| Average Home Value | $505,274 |
Housing Distribution
Address Breakdown
Residential
1,328
Single Family
1,299
Multi-Family
29
Businesses
219
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 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05149, Ludlow, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,685 (100%) |
| Owner Occupied HU | 847 (23.0%) |
| Renter Occupied HU | 345 ( 9.4%) |
| Vacant Housing Units | 2,493 (67.7%) |
| Median Home Value | $393,256 |
| Average Home Value | $505,274 |
Housing Distribution
Address Breakdown
Residential
1,328
Single Family
1,299
Multi-Family
29
Businesses
219
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Frank Provance • Diamond Realty
Mls Name: PrimeMLS
Mls Provider:
Mls ID: #5049963
Disclaimer: Copyright 2025 PrimeMLS, Inc. All rights reserved. This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this display comes in part from the IDX Program of PrimeMLS. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 2025-07-30 13:29:16 PDT. This display of listings may or may not be the entire Compilation from the PrimeMLS database, and PrimeMLS does not guarantee the accuracy of such information.