226 North StreetBenningtonVT05201
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 226 North Street, Bennington, VT, 05201 in Bennington is narrow, $60/mo net on $2,023/mo rent after the $1,327/mo debt service, but the property operates at break-even-plus, not a loss. At $295,000 with a 8.23% yield, the long-run equity case via 5% appreciation ($81,503 over five years) and $2,717/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $116,346.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 9.0% |
| Monthly Cash Flow | $60 | $850 |
City averages based on Bennington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,023 |
| Total Monthly Debt Service | $1,845 |
| DSCR Ratio | 1.10x |
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
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05201, Bennington, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,910 (100%) |
| Owner Occupied HU | 3,819 (55.3%) |
| Renter Occupied HU | 2,304 (33.3%) |
| Vacant Housing Units | 787 (11.4%) |
| Median Home Value | $249,578 |
| Average Home Value | $306,184 |
Housing Distribution
Address Breakdown
Residential
6,410
Single Family
6,029
Multi-Family
381
Businesses
725
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
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05201, Bennington, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,910 (100%) |
| Owner Occupied HU | 3,819 (55.3%) |
| Renter Occupied HU | 2,304 (33.3%) |
| Vacant Housing Units | 787 (11.4%) |
| Median Home Value | $249,578 |
| Average Home Value | $306,184 |
Housing Distribution
Address Breakdown
Residential
6,410
Single Family
6,029
Multi-Family
381
Businesses
725
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brooke L Thomson Drew • Mahar McCarthy Real Estate
Mls Name: PrimeMLS
Mls ID: #5046986