172 D StreetGrotonCT06340
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 172 D Street, Groton, CT, 06340 in Groton at $129,900 earns $988/mo in rent and nets $105/mo after the $584/mo payment, a 9.13% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,889 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,196/yr in principal paydown, total projected return reaches $56,432.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.0% |
| Monthly Cash Flow | $105 | $1,500 |
City averages based on Groton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $988 |
| Total Monthly Debt Service | $831 |
| DSCR Ratio | 1.19x |
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.
Manufactured
Built in 1986
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06340, Groton, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,385 (100%) |
| Owner Occupied HU | 5,380 (37.4%) |
| Renter Occupied HU | 7,220 (50.2%) |
| Vacant Housing Units | 1,785 (12.4%) |
| Median Home Value | $326,691 |
| Average Home Value | $429,967 |
Housing Distribution
Address Breakdown
Residential
13,000
Single Family
10,143
Multi-Family
2,857
Businesses
869
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
Manufactured
Built in 1986
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06340, Groton, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,385 (100%) |
| Owner Occupied HU | 5,380 (37.4%) |
| Renter Occupied HU | 7,220 (50.2%) |
| Vacant Housing Units | 1,785 (12.4%) |
| Median Home Value | $326,691 |
| Average Home Value | $429,967 |
Housing Distribution
Address Breakdown
Residential
13,000
Single Family
10,143
Multi-Family
2,857
Businesses
869
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Smart MLS
Mls ID: #24135920