28 Valley RoadMorganVT05853
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 28 Valley Road, Morgan, VT, 05853 in Morgan deserves attention. This $525,000 property earns $4,500/mo in rent, a 10.29% gross yield, and nets $1,007/mo after the $2,361/mo payment. DSCR 1.91 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $145,048 compounds alongside $4,835/yr in yearly equity build, for a total cumulative return of $264,940.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $1,007 | $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 | $4,500 |
| Total Monthly Debt Service | $3,284 |
| DSCR Ratio | 1.37x |
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 1900
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05853, Morgan, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 377 (100%) |
| Owner Occupied HU | 156 (41.4%) |
| Renter Occupied HU | 16 ( 4.2%) |
| Vacant Housing Units | 205 (54.4%) |
| Median Home Value | $244,444 |
| Average Home Value | $587,019 |
Housing Distribution
Address Breakdown
Residential
135
Single Family
135
Multi-Family
0
Businesses
11
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 1900
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05853, Morgan, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 377 (100%) |
| Owner Occupied HU | 156 (41.4%) |
| Renter Occupied HU | 16 ( 4.2%) |
| Vacant Housing Units | 205 (54.4%) |
| Median Home Value | $244,444 |
| Average Home Value | $587,019 |
Housing Distribution
Address Breakdown
Residential
135
Single Family
135
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices