29 Spear Lane #19ColchesterVT05446
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 29 Spear Lane #19, Colchester, VT, 05446 in Colchester: $4,292/mo in rent, $462/mo in net income, 8.95% gross yield, 1.66 DSCR, all at $575,700. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $159,055 in appreciation and $5,302/yr in principal paydown projects total cumulative return of $249,177.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.1% |
| Monthly Cash Flow | $462 | $1,980 |
City averages based on Colchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,292 |
| Total Monthly Debt Service | $3,601 |
| DSCR Ratio | 1.19x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05446, Colchester, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,960 (100%) |
| Owner Occupied HU | 5,376 (67.5%) |
| Renter Occupied HU | 1,892 (23.8%) |
| Vacant Housing Units | 692 ( 8.7%) |
| Median Home Value | $480,150 |
| Average Home Value | $541,069 |
Housing Distribution
Address Breakdown
Residential
7,427
Single Family
7,273
Multi-Family
154
Businesses
633
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05446, Colchester, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,960 (100%) |
| Owner Occupied HU | 5,376 (67.5%) |
| Renter Occupied HU | 1,892 (23.8%) |
| Vacant Housing Units | 692 ( 8.7%) |
| Median Home Value | $480,150 |
| Average Home Value | $541,069 |
Housing Distribution
Address Breakdown
Residential
7,427
Single Family
7,273
Multi-Family
154
Businesses
633
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5040899