29 Cold Spring DrOxfordCT06478
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow29 Cold Spring Dr, Oxford, CT, 06478 in Oxford is a top-tier cash-flow asset. At $420,000 it produces $3,524/mo in rent and $671/mo in net monthly income, a 10.07% gross rental yield. The DSCR of 1.87 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,049. Five-year appreciation adds $116,038, driving a total cumulative return of $203,461.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.2% |
| Monthly Cash Flow | $671 | $1,500 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,524 |
| Total Monthly Debt Service | $2,687 |
| DSCR Ratio | 1.31x |
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 1985
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06478, Oxford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,415 (100%) |
| Owner Occupied HU | 4,665 (86.1%) |
| Renter Occupied HU | 516 ( 9.5%) |
| Vacant Housing Units | 234 ( 4.3%) |
| Median Home Value | $500,841 |
| Average Home Value | $521,656 |
Housing Distribution
Address Breakdown
Residential
5,253
Single Family
4,823
Multi-Family
430
Businesses
408
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 1985
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06478, Oxford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,415 (100%) |
| Owner Occupied HU | 4,665 (86.1%) |
| Renter Occupied HU | 516 ( 9.5%) |
| Vacant Housing Units | 234 ( 4.3%) |
| Median Home Value | $500,841 |
| Average Home Value | $521,656 |
Housing Distribution
Address Breakdown
Residential
5,253
Single Family
4,823
Multi-Family
430
Businesses
408
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Currantly Home • Real Broker CT, LLC
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24089615
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.