30 Hilltop DriveWoodstock ValleyCT06282
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 30 Hilltop Drive, Woodstock Valley, CT, 06282 in Woodstock Valley is narrow, $22/mo net on $2,400/mo rent after the $1,659/mo debt service, but the property operates at break-even-plus, not a loss. At $350,000 with a 8.23% yield, the long-run equity case via 5% appreciation ($96,699 over five years) and $2,934/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $128,470.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.5% |
| Monthly Cash Flow | $22 | $1,200 |
City averages based on Woodstock Valley market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $2,324 |
| DSCR Ratio | 1.03x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1989
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06282, Woodstock Valley, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 567 (100%) |
| Owner Occupied HU | 436 (76.9%) |
| Renter Occupied HU | 40 ( 7.1%) |
| Vacant Housing Units | 91 (16.0%) |
| Median Home Value | $425,847 |
| Average Home Value | $420,677 |
Housing Distribution
Address Breakdown
Residential
540
Single Family
540
Multi-Family
0
Businesses
0
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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
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Listed by: Lisa M. Therecka • Therecka & Associates LLC
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24214889
