2330 Main Street #4ColchesterVT05446
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2330 Main Street #4, Colchester, VT, 05446 in Colchester at $320,000 earns $2,157/mo in rent and nets $28/mo after the $1,439/mo payment, a 8.09% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,410 over five years. Ziffy Mortgage underwrites this on a 1.50 DSCR without U.S. credit history. With $2,947/yr in principal paydown, total projected return reaches $123,824.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.1% |
| Monthly Cash Flow | $28 | $1,980 |
City averages based on Colchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,157 |
| Total Monthly Debt Service | $2,002 |
| DSCR Ratio | 1.08x |
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.
Townhouse
Built in 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05446, Colchester, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,960 (100%) |
| Owner Occupied HU | 5,376 (67.5%) |
| Renter Occupied HU | 1,892 (23.8%) |
| Vacant Housing Units | 692 ( 8.7%) |
| Median Home Value | $480,150 |
| Average Home Value | $541,069 |
Housing Distribution
Address Breakdown
Residential
7,427
Single Family
7,273
Multi-Family
154
Businesses
633
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
Townhouse
Built in 1981
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05446, Colchester, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,960 (100%) |
| Owner Occupied HU | 5,376 (67.5%) |
| Renter Occupied HU | 1,892 (23.8%) |
| Vacant Housing Units | 692 ( 8.7%) |
| Median Home Value | $480,150 |
| Average Home Value | $541,069 |
Housing Distribution
Address Breakdown
Residential
7,427
Single Family
7,273
Multi-Family
154
Businesses
633
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew Bouffard • Gardner Real Estate Team
Mls Name: PrimeMLS
Mls ID: #5074528