3669 US Route 5WestminsterVT05158
INVESTMENT ANALYSIS
Investment Verdict
Solid Income3669 US Route 5, Westminster, VT, 05158 in Westminster earns a respectable 8.39% gross yield at $425,000, but after the $2,015/mo mortgage the net cash flow is $145/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.47) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $117,420 over five years, making equity the dominant return driver. Total projected return: $163,309.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $145 | $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 | $2,972 |
| Total Monthly Debt Service | $2,762 |
| DSCR Ratio | 1.08x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2001
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05158, Westminster, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 402 (100%) |
| Owner Occupied HU | 292 (72.6%) |
| Renter Occupied HU | 79 (19.7%) |
| Vacant Housing Units | 31 ( 7.7%) |
| Median Home Value | $265,741 |
| Average Home Value | $290,223 |
Housing Distribution
Address Breakdown
Residential
268
Single Family
268
Multi-Family
0
Businesses
71
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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
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Listed by: Julie Lowe • Lowe's Real Estate, LLC
Mls Name: PrimeMLS
Mls Provider:
Mls ID: #5115570
