3113 Richville RoadWhitingVT05778
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3113 Richville Road, Whiting, VT, 05778 in Whiting speaks for itself: 28.36% gross on a $119,000 price, generating $2,813/mo in rent and $2,021/mo in net income after the $535/mo debt service. DSCR 5.26, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $24,253 stacks alongside $32,878 in projected five-year appreciation and $1,096/yr in principal reduction. Projected total cumulative return: $175,445.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 28.4% | 6.2% |
| Monthly Cash Flow | $2,021 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,813 |
| Total Monthly Debt Service | $744 |
| DSCR Ratio | 3.78x |
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.
Lot
Built in N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05778, Whiting, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 318 (100%) |
| Owner Occupied HU | 235 (73.9%) |
| Renter Occupied HU | 46 (14.5%) |
| Vacant Housing Units | 37 (11.6%) |
| Median Home Value | $453,125 |
| Average Home Value | $523,883 |
Housing Distribution
Address Breakdown
Residential
310
Single Family
310
Multi-Family
0
Businesses
10
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
Lot
Built in N/A
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05778, Whiting, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 318 (100%) |
| Owner Occupied HU | 235 (73.9%) |
| Renter Occupied HU | 46 (14.5%) |
| Vacant Housing Units | 37 (11.6%) |
| Median Home Value | $453,125 |
| Average Home Value | $523,883 |
Housing Distribution
Address Breakdown
Residential
310
Single Family
310
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices