253 Pray DriveAlbanyVT05820
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 253 Pray Drive, Albany, VT, 05820 in Albany worth modelling. At $339,000 with a 8.68% gross yield, the $2,453/mo rent leaves $197/mo after the $1,524/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.61 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $93,659 by year five; $3,122/yr in principal reduction adds further equity. Total projected return: $141,979.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $197 | $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 | $2,453 |
| Total Monthly Debt Service | $2,120 |
| DSCR Ratio | 1.16x |
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 1992
3.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05820, Albany, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 118 (100%) |
| Owner Occupied HU | 80 (67.8%) |
| Renter Occupied HU | 10 ( 8.5%) |
| Vacant Housing Units | 28 (23.7%) |
| Median Home Value | $235,484 |
| Average Home Value | $264,844 |
Housing Distribution
Address Breakdown
Residential
51
Single Family
51
Multi-Family
0
Businesses
9
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 1992
3.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05820, Albany, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 118 (100%) |
| Owner Occupied HU | 80 (67.8%) |
| Renter Occupied HU | 10 ( 8.5%) |
| Vacant Housing Units | 28 (23.7%) |
| Median Home Value | $235,484 |
| Average Home Value | $264,844 |
Housing Distribution
Address Breakdown
Residential
51
Single Family
51
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices