281 Watertown RdMiddleburyCT06762
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 281 Watertown Rd, Middlebury, CT, 06762 in Middlebury speaks for itself: 10.37% gross on a $495,000 price, generating $4,276/mo in rent and $912/mo in net income after the $2,226/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,948 stacks alongside $136,759 in projected five-year appreciation and $4,559/yr in principal reduction. Projected total cumulative return: $247,757.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 5.5% |
| Monthly Cash Flow | $912 | $1,500 |
City averages based on Middlebury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,276 |
| Total Monthly Debt Service | $3,166 |
| DSCR Ratio | 1.35x |
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 1780
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06762, Middlebury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,235 (100%) |
| Owner Occupied HU | 2,778 (85.9%) |
| Renter Occupied HU | 280 ( 8.7%) |
| Vacant Housing Units | 177 ( 5.5%) |
| Median Home Value | $498,512 |
| Average Home Value | $531,036 |
Housing Distribution
Address Breakdown
Residential
3,042
Single Family
2,970
Multi-Family
72
Businesses
402
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 1780
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06762, Middlebury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,235 (100%) |
| Owner Occupied HU | 2,778 (85.9%) |
| Renter Occupied HU | 280 ( 8.7%) |
| Vacant Housing Units | 177 ( 5.5%) |
| Median Home Value | $498,512 |
| Average Home Value | $531,036 |
Housing Distribution
Address Breakdown
Residential
3,042
Single Family
2,970
Multi-Family
72
Businesses
402
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A