36 Hubbard RoadWatervilleVT05492
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 36 Hubbard Road, Waterville, VT, 05492 in Waterville. At $350,000 it earns $2,615/mo in rent and distributes $286/mo to the owner after the $1,574/mo payment, a consistent 8.97% yield. DSCR 1.66 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $96,699 in value; $3,224/yr in principal paydown compounds ownership stake. Total projected return: $151,867.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $286 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $2,615 |
| Total Monthly Debt Service | $2,189 |
| DSCR Ratio | 1.19x |
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 2007
0.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05492, Waterville, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 422 (100%) |
| Owner Occupied HU | 333 (78.9%) |
| Renter Occupied HU | 64 (15.2%) |
| Vacant Housing Units | 25 ( 5.9%) |
| Median Home Value | $337,179 |
| Average Home Value | $370,998 |
Housing Distribution
Address Breakdown
Residential
297
Single Family
297
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
Single Family
Built in 2007
0.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05492, Waterville, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 422 (100%) |
| Owner Occupied HU | 333 (78.9%) |
| Renter Occupied HU | 64 (15.2%) |
| Vacant Housing Units | 25 ( 5.9%) |
| Median Home Value | $337,179 |
| Average Home Value | $370,998 |
Housing Distribution
Address Breakdown
Residential
297
Single Family
297
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5087543