225 Charles StreetLyndonvilleVT05851
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 225 Charles Street, Lyndonville, VT, 05851 in Lyndonville at $300,000 earns $2,123/mo in rent and nets $127/mo after the $1,349/mo payment, a 8.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $82,884 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $2,763/yr in principal paydown, total projected return reaches $122,560.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.2% |
| Monthly Cash Flow | $127 | $650 |
City averages based on Lyndonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,123 |
| Total Monthly Debt Service | $1,876 |
| DSCR Ratio | 1.13x |
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 1880
1.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05851, Lyndonville, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,864 (100%) |
| Owner Occupied HU | 1,824 (63.7%) |
| Renter Occupied HU | 700 (24.4%) |
| Vacant Housing Units | 340 (11.9%) |
| Median Home Value | $242,164 |
| Average Home Value | $282,804 |
Housing Distribution
Address Breakdown
Residential
1,804
Single Family
1,751
Multi-Family
53
Businesses
202
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 1880
1.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05851, Lyndonville, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,864 (100%) |
| Owner Occupied HU | 1,824 (63.7%) |
| Renter Occupied HU | 700 (24.4%) |
| Vacant Housing Units | 340 (11.9%) |
| Median Home Value | $242,164 |
| Average Home Value | $282,804 |
Housing Distribution
Address Breakdown
Residential
1,804
Single Family
1,751
Multi-Family
53
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mary Scott • Tim Scott Real Estate
Mls Name: PrimeMLS
Mls ID: #5063128