20 Roy StEast HavenCT06512
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.4% yield at 20 Roy St, East Haven, CT, 06512 in East Haven is solid, but the $1,744/mo payment compresses net cash flow to $79/mo at $387,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $107,170 by year five, and $3,573/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.58) without U.S. income documentation. Total projected return: $155,720.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $79 | $1,200 |
City averages based on East Haven market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,754 |
| Total Monthly Debt Service | $2,481 |
| DSCR Ratio | 1.11x |
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 1926
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06512, East Haven, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,438 (100%) |
| Owner Occupied HU | 8,576 (63.8%) |
| Renter Occupied HU | 3,984 (29.6%) |
| Vacant Housing Units | 878 ( 6.5%) |
| Median Home Value | $323,792 |
| Average Home Value | $369,374 |
Housing Distribution
Address Breakdown
Residential
12,668
Single Family
11,457
Multi-Family
1,211
Businesses
708
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 1926
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06512, East Haven, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,438 (100%) |
| Owner Occupied HU | 8,576 (63.8%) |
| Renter Occupied HU | 3,984 (29.6%) |
| Vacant Housing Units | 878 ( 6.5%) |
| Median Home Value | $323,792 |
| Average Home Value | $369,374 |
Housing Distribution
Address Breakdown
Residential
12,668
Single Family
11,457
Multi-Family
1,211
Businesses
708
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Izzo • William Raveis Real Estate
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24083041
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.