220 VT Route 14 SouthEast MontpelierVT05651
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 220 VT Route 14 South, East Montpelier, VT, 05651 in East Montpelier is a conservative rental investment at $589,000. Rental yield 7.48%. A 1.39 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $162,730; $5,425/yr in principal paydown supplements. Total projected return: $208,736.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $(245) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,673 |
| Total Monthly Debt Service | $3,684 |
| DSCR Ratio | 1.00x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2005
5.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05651, East Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 696 (100%) |
| Owner Occupied HU | 517 (74.3%) |
| Renter Occupied HU | 119 (17.1%) |
| Vacant Housing Units | 60 ( 8.6%) |
| Median Home Value | $413,983 |
| Average Home Value | $423,651 |
Housing Distribution
Address Breakdown
Residential
545
Single Family
545
Multi-Family
0
Businesses
68
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 2005
5.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05651, East Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 696 (100%) |
| Owner Occupied HU | 517 (74.3%) |
| Renter Occupied HU | 119 (17.1%) |
| Vacant Housing Units | 60 ( 8.6%) |
| Median Home Value | $413,983 |
| Average Home Value | $423,651 |
Housing Distribution
Address Breakdown
Residential
545
Single Family
545
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Blue Slate Realty • Blue Slate Realty
Mls Name: PrimeMLS
Mls ID: #5045332