16 Mott South StreetAlburghVT05440
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 16 Mott South Street, Alburgh, VT, 05440 in Alburgh. Rental yield 4.94%. At $875,000 with 4.94% gross yield, current distributions are modest, but the 5% appreciation rate projects $241,746 in new equity by year five, complemented by $8,059/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.91) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $190,535.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(2,222) | $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 | $3,599 |
| Total Monthly Debt Service | $5,473 |
| DSCR Ratio | 0.66x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1996
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05440, Alburg, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,611 (100%) |
| Owner Occupied HU | 719 (44.6%) |
| Renter Occupied HU | 169 (10.5%) |
| Vacant Housing Units | 723 (44.9%) |
| Median Home Value | $376,437 |
| Average Home Value | $379,280 |
Housing Distribution
Address Breakdown
Residential
946
Single Family
930
Multi-Family
16
Businesses
49
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 1996
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05440, Alburg, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,611 (100%) |
| Owner Occupied HU | 719 (44.6%) |
| Renter Occupied HU | 169 (10.5%) |
| Vacant Housing Units | 723 (44.9%) |
| Median Home Value | $376,437 |
| Average Home Value | $379,280 |
Housing Distribution
Address Breakdown
Residential
946
Single Family
930
Multi-Family
16
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices