3604 VT Route 111MorganVT05853
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3604 VT Route 111, Morgan, VT, 05853 in Morgan at $1,200,000, 3.48% gross yield, is a market-growth asset. Rental yield 3.48%. The $3,481/mo rent partially funds the $5,396/mo debt service; the core return is the 5%/yr price growth projected to add $331,538 over five years. Ziffy Mortgage's DSCR mortgage (0.65) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $167,693.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.2% |
| Monthly Cash Flow | $(4,502) | $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 | $3,481 |
| Total Monthly Debt Service | $7,506 |
| DSCR Ratio | 0.46x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1962
501 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05853, Morgan, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 377 (100%) |
| Owner Occupied HU | 156 (41.4%) |
| Renter Occupied HU | 16 ( 4.2%) |
| Vacant Housing Units | 205 (54.4%) |
| Median Home Value | $244,444 |
| Average Home Value | $587,019 |
Housing Distribution
Address Breakdown
Residential
135
Single Family
135
Multi-Family
0
Businesses
11
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 1962
501 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05853, Morgan, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 377 (100%) |
| Owner Occupied HU | 156 (41.4%) |
| Renter Occupied HU | 16 ( 4.2%) |
| Vacant Housing Units | 205 (54.4%) |
| Median Home Value | $244,444 |
| Average Home Value | $587,019 |
Housing Distribution
Address Breakdown
Residential
135
Single Family
135
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices