309 South Main StreetMontpelierVT05663
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 309 South Main Street, Montpelier, VT, 05663 in Montpelier earns a 8.81% gross yield at $425,000. Rent of $3,120/mo nets $293/mo after the $1,911/mo mortgage. The 1.63 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $117,420 and $3,914/yr in equity accumulation project a total cumulative return of $180,839.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.8% |
| Monthly Cash Flow | $293 | $850 |
City averages based on Montpelier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,120 |
| Total Monthly Debt Service | $2,658 |
| DSCR Ratio | 1.17x |
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 1861
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05663, Northfield, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,658 (100%) |
| Owner Occupied HU | 1,653 (62.2%) |
| Renter Occupied HU | 664 (25.0%) |
| Vacant Housing Units | 341 (12.8%) |
| Median Home Value | $335,681 |
| Average Home Value | $351,184 |
Housing Distribution
Address Breakdown
Residential
2,014
Single Family
1,929
Multi-Family
85
Businesses
122
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 1861
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05663, Northfield, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,658 (100%) |
| Owner Occupied HU | 1,653 (62.2%) |
| Renter Occupied HU | 664 (25.0%) |
| Vacant Housing Units | 341 (12.8%) |
| Median Home Value | $335,681 |
| Average Home Value | $351,184 |
Housing Distribution
Address Breakdown
Residential
2,014
Single Family
1,929
Multi-Family
85
Businesses
122
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices