236 Sargents Loop RoadNorth TroyVT05859
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play236 Sargents Loop Road, North Troy, VT, 05859 in North Troy is priced for appreciation, not yield. Rental yield 4.26%. At $675,000 with a 4.26% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $186,490 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.79) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $122,448.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(2,097) | $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 | $2,394 |
| Total Monthly Debt Service | $4,222 |
| DSCR Ratio | 0.57x |
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 2012
3.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05859, North Troy, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,819 (100%) |
| Owner Occupied HU | 746 (41.0%) |
| Renter Occupied HU | 211 (11.6%) |
| Vacant Housing Units | 862 (47.4%) |
| Median Home Value | $256,250 |
| Average Home Value | $312,617 |
Housing Distribution
Address Breakdown
Residential
676
Single Family
676
Multi-Family
0
Businesses
44
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 2012
3.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05859, North Troy, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,819 (100%) |
| Owner Occupied HU | 746 (41.0%) |
| Renter Occupied HU | 211 (11.6%) |
| Vacant Housing Units | 862 (47.4%) |
| Median Home Value | $256,250 |
| Average Home Value | $312,617 |
Housing Distribution
Address Breakdown
Residential
676
Single Family
676
Multi-Family
0
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices