3221 Hapgood Pond RoadPeruVT05152
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3221 Hapgood Pond Road, Peru, VT, 05152 in Peru earns a 9.94% gross yield at $649,000. Rent of $5,378/mo nets $1,061/mo after the $2,918/mo mortgage. The 1.84 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $179,307 and $5,977/yr in equity accumulation project a total cumulative return of $315,643.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $1,061 | $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 | $5,378 |
| Total Monthly Debt Service | $4,059 |
| 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 1950
3.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05152, Peru, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 393 (100%) |
| Owner Occupied HU | 141 (35.9%) |
| Renter Occupied HU | 27 ( 6.9%) |
| Vacant Housing Units | 225 (57.3%) |
| Median Home Value | $515,625 |
| Average Home Value | $642,996 |
Housing Distribution
Address Breakdown
Residential
104
Single Family
104
Multi-Family
0
Businesses
18
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 1950
3.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05152, Peru, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 393 (100%) |
| Owner Occupied HU | 141 (35.9%) |
| Renter Occupied HU | 27 ( 6.9%) |
| Vacant Housing Units | 225 (57.3%) |
| Median Home Value | $515,625 |
| Average Home Value | $642,996 |
Housing Distribution
Address Breakdown
Residential
104
Single Family
104
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices