34 School StreetProctorVT05765
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 34 School Street, Proctor, VT, 05765 in Proctor worth modelling. At $229,000 with a 8.28% gross yield, the $1,580/mo rent leaves $57/mo after the $1,030/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.53 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $63,268 by year five; $2,109/yr in principal reduction adds further equity. Total projected return: $90,954.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $57 | $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 | $1,580 |
| Total Monthly Debt Service | $1,432 |
| DSCR Ratio | 1.10x |
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 1900
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05765, Proctor, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 798 (100%) |
| Owner Occupied HU | 557 (69.8%) |
| Renter Occupied HU | 144 (18.0%) |
| Vacant Housing Units | 97 (12.2%) |
| Median Home Value | $254,563 |
| Average Home Value | $320,839 |
Housing Distribution
Address Breakdown
Residential
763
Single Family
751
Multi-Family
12
Businesses
30
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 1900
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05765, Proctor, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 798 (100%) |
| Owner Occupied HU | 557 (69.8%) |
| Renter Occupied HU | 144 (18.0%) |
| Vacant Housing Units | 97 (12.2%) |
| Median Home Value | $254,563 |
| Average Home Value | $320,839 |
Housing Distribution
Address Breakdown
Residential
763
Single Family
751
Multi-Family
12
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices