149 N Main StreetDanbyVT05739
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 149 N Main Street, Danby, VT, 05739 in Danby. At $439,000 it earns $3,360/mo in rent and distributes $439/mo to the owner after the $1,974/mo payment, a consistent 9.18% yield. DSCR 1.70 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $121,288 in value; $4,043/yr in principal paydown compounds ownership stake. Total projected return: $195,672.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $439 | $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 | $3,360 |
| Total Monthly Debt Service | $2,746 |
| DSCR Ratio | 1.22x |
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
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05739, Danby, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 697 (100%) |
| Owner Occupied HU | 427 (61.3%) |
| Renter Occupied HU | 104 (14.9%) |
| Vacant Housing Units | 166 (23.8%) |
| Median Home Value | $366,832 |
| Average Home Value | $451,341 |
Housing Distribution
Address Breakdown
Residential
531
Single Family
531
Multi-Family
0
Businesses
36
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
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05739, Danby, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 697 (100%) |
| Owner Occupied HU | 427 (61.3%) |
| Renter Occupied HU | 104 (14.9%) |
| Vacant Housing Units | 166 (23.8%) |
| Median Home Value | $366,832 |
| Average Home Value | $451,341 |
Housing Distribution
Address Breakdown
Residential
531
Single Family
531
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices