21 Second StreetBarreVT05641
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 21 Second Street, Barre, VT, 05641 in Barre at $102,000 earns $800/mo in rent and nets $121/mo after the $459/mo payment, a 9.41% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $28,181 over five years. Ziffy Mortgage underwrites this on a 1.74 DSCR without U.S. credit history. With $939/yr in principal paydown, total projected return reaches $46,694.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.8% |
| Monthly Cash Flow | $121 | $420 |
City averages based on Barre market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $800 |
| Total Monthly Debt Service | $638 |
| DSCR Ratio | 1.25x |
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 2017
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05641, Barre, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,187 (100%) |
| Owner Occupied HU | 4,984 (60.9%) |
| Renter Occupied HU | 2,480 (30.3%) |
| Vacant Housing Units | 723 ( 8.8%) |
| Median Home Value | $268,785 |
| Average Home Value | $310,666 |
Housing Distribution
Address Breakdown
Residential
7,195
Single Family
6,778
Multi-Family
417
Businesses
782
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 2017
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05641, Barre, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,187 (100%) |
| Owner Occupied HU | 4,984 (60.9%) |
| Renter Occupied HU | 2,480 (30.3%) |
| Vacant Housing Units | 723 ( 8.8%) |
| Median Home Value | $268,785 |
| Average Home Value | $310,666 |
Housing Distribution
Address Breakdown
Residential
7,195
Single Family
6,778
Multi-Family
417
Businesses
782
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices