3 Vine StreetNaugatuckCT06770
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 3 Vine Street, Naugatuck, CT, 06770 in Naugatuck deserves attention. This $487,000 property earns $4,111/mo in rent, a 10.13% gross yield, and nets $802/mo after the $2,190/mo payment. DSCR 1.88 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $134,549 compounds alongside $4,485/yr in yearly equity build, for a total cumulative return of $237,558.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 7.0% |
| Monthly Cash Flow | $802 | $300 |
City averages based on Naugatuck market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,111 |
| Total Monthly Debt Service | $3,115 |
| DSCR Ratio | 1.32x |
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 1953
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06770, Naugatuck, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,477 (100%) |
| Owner Occupied HU | 8,547 (63.4%) |
| Renter Occupied HU | 4,143 (30.7%) |
| Vacant Housing Units | 787 ( 5.8%) |
| Median Home Value | $291,402 |
| Average Home Value | $336,189 |
Housing Distribution
Address Breakdown
Residential
12,938
Single Family
12,061
Multi-Family
877
Businesses
810
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 1953
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06770, Naugatuck, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,477 (100%) |
| Owner Occupied HU | 8,547 (63.4%) |
| Renter Occupied HU | 4,143 (30.7%) |
| Vacant Housing Units | 787 ( 5.8%) |
| Median Home Value | $291,402 |
| Average Home Value | $336,189 |
Housing Distribution
Address Breakdown
Residential
12,938
Single Family
12,061
Multi-Family
877
Businesses
810
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Hammac • Weichert Realtors MRG
Mls Name: Smart MLS
Mls ID: #24143841