16 Pine StreetWaterburyCT06710
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 16 Pine Street, Waterbury, CT, 06710 in Waterbury. Priced at $190,000, it generates $4,139/mo in gross rent and $2,848/mo in net monthly cash flow, a 26.14% yield that comfortably supports the 4.85 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $34,174. Five-year appreciation: $52,494. Equity from principal paydown: $1,750/yr. Total projected cumulative return: $255,843.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 26.1% | 7.1% |
| Monthly Cash Flow | $2,848 | $450 |
City averages based on Waterbury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,139 |
| Total Monthly Debt Service | $1,215 |
| DSCR Ratio | 3.41x |
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.
Multi Family
Built in 1875
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06710, Waterbury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,295 (100%) |
| Owner Occupied HU | 1,122 (26.1%) |
| Renter Occupied HU | 2,572 (59.9%) |
| Vacant Housing Units | 601 (14.0%) |
| Median Home Value | $266,864 |
| Average Home Value | $333,697 |
Housing Distribution
Address Breakdown
Residential
4,044
Single Family
3,217
Multi-Family
827
Businesses
120
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
Multi Family
Built in 1875
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06710, Waterbury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,295 (100%) |
| Owner Occupied HU | 1,122 (26.1%) |
| Renter Occupied HU | 2,572 (59.9%) |
| Vacant Housing Units | 601 (14.0%) |
| Median Home Value | $266,864 |
| Average Home Value | $333,697 |
Housing Distribution
Address Breakdown
Residential
4,044
Single Family
3,217
Multi-Family
827
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices