21 Pine StreetOxfordCT06478
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 21 Pine Street, Oxford, CT, 06478 in Oxford deserves attention. This $430,000 property earns $3,946/mo in rent, a 11.01% gross yield, and nets $1,024/mo after the $1,934/mo payment. DSCR 2.04 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $118,801 compounds alongside $3,960/yr in yearly equity build, for a total cumulative return of $230,061.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 5.2% |
| Monthly Cash Flow | $1,024 | $1,500 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,946 |
| Total Monthly Debt Service | $2,751 |
| DSCR Ratio | 1.43x |
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 1970
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06478, Oxford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,415 (100%) |
| Owner Occupied HU | 4,665 (86.1%) |
| Renter Occupied HU | 516 ( 9.5%) |
| Vacant Housing Units | 234 ( 4.3%) |
| Median Home Value | $500,841 |
| Average Home Value | $521,656 |
Housing Distribution
Address Breakdown
Residential
5,253
Single Family
4,823
Multi-Family
430
Businesses
408
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 1970
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06478, Oxford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,415 (100%) |
| Owner Occupied HU | 4,665 (86.1%) |
| Renter Occupied HU | 516 ( 9.5%) |
| Vacant Housing Units | 234 ( 4.3%) |
| Median Home Value | $500,841 |
| Average Home Value | $521,656 |
Housing Distribution
Address Breakdown
Residential
5,253
Single Family
4,823
Multi-Family
430
Businesses
408
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gary Knauf • Gary Knauf Real Estate Services, Inc
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24092899
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.