18 Paul StreetDanburyCT06810
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 18 Paul Street, Danbury, CT, 06810 in Danbury is narrow, $124/mo net on $3,457/mo rent after the $1,974/mo debt service, but the property operates at break-even-plus, not a loss. At $439,000 with a 9.45% yield, the long-run equity case via 5% appreciation ($121,288 over five years) and $4,043/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.75 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $177,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.2% |
| Monthly Cash Flow | $124 | $850 |
City averages based on Danbury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,457 |
| Total Monthly Debt Service | $3,158 |
| DSCR Ratio | 1.09x |
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 1952
0.31 Acres lot
$N/A/sqft
$1,050 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06810, Danbury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,747 (100%) |
| Owner Occupied HU | 8,815 (40.5%) |
| Renter Occupied HU | 11,888 (54.7%) |
| Vacant Housing Units | 1,044 ( 4.8%) |
| Median Home Value | $403,470 |
| Average Home Value | $450,314 |
Housing Distribution
Address Breakdown
Residential
20,768
Single Family
16,476
Multi-Family
4,292
Businesses
2,047
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 1952
0.31 Acres lot
$N/A/sqft
$1,050 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06810, Danbury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,747 (100%) |
| Owner Occupied HU | 8,815 (40.5%) |
| Renter Occupied HU | 11,888 (54.7%) |
| Vacant Housing Units | 1,044 ( 4.8%) |
| Median Home Value | $403,470 |
| Average Home Value | $450,314 |
Housing Distribution
Address Breakdown
Residential
20,768
Single Family
16,476
Multi-Family
4,292
Businesses
2,047
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andrew Santora • William Raveis Real Estate
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24088317
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.