20 Ray Hill RoadWilmingtonVT05363
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 20 Ray Hill Road, Wilmington, VT, 05363 in Wilmington at $795,000 earns $5,440/mo in rent and nets $151/mo after the $3,575/mo payment, a 8.21% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $219,644 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $7,322/yr in principal paydown, total projected return reaches $312,789.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $151 | $18,500 |
City averages based on Wilmington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,440 |
| Total Monthly Debt Service | $4,973 |
| 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 1907
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05363, Wilmington, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,589 (100%) |
| Owner Occupied HU | 802 (31.0%) |
| Renter Occupied HU | 283 (10.9%) |
| Vacant Housing Units | 1,504 (58.1%) |
| Median Home Value | $316,774 |
| Average Home Value | $400,237 |
Housing Distribution
Address Breakdown
Residential
615
Single Family
615
Multi-Family
0
Businesses
149
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 1907
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05363, Wilmington, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,589 (100%) |
| Owner Occupied HU | 802 (31.0%) |
| Renter Occupied HU | 283 (10.9%) |
| Vacant Housing Units | 1,504 (58.1%) |
| Median Home Value | $316,774 |
| Average Home Value | $400,237 |
Housing Distribution
Address Breakdown
Residential
615
Single Family
615
Multi-Family
0
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adam R Palmiter • Berkley & Veller Greenwood/Dover
Mls Name: PrimeMLS
Mls ID: #5044604