39 Ratlum Mountain RoadBarkhamstedCT06063
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.54% gross rental yield, 39 Ratlum Mountain Road, Barkhamsted, CT, 06063 in Barkhamsted is priced for capital growth, not immediate cash flow. The $575,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $158,862 by year five, with $5,296/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.84) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $108,163.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.5% |
| Monthly Cash Flow | $(1,731) | $1,200 |
City averages based on Barkhamsted market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,176 |
| Total Monthly Debt Service | $3,678 |
| DSCR Ratio | 0.59x |
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 2025
4.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06063, Barkhamsted, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,440 (100%) |
| Owner Occupied HU | 1,216 (84.4%) |
| Renter Occupied HU | 139 ( 9.7%) |
| Vacant Housing Units | 85 ( 5.9%) |
| Median Home Value | $363,246 |
| Average Home Value | $410,080 |
Housing Distribution
Address Breakdown
Residential
1,287
Single Family
1,287
Multi-Family
0
Businesses
81
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 2025
4.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06063, Barkhamsted, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,440 (100%) |
| Owner Occupied HU | 1,216 (84.4%) |
| Renter Occupied HU | 139 ( 9.7%) |
| Vacant Housing Units | 85 ( 5.9%) |
| Median Home Value | $363,246 |
| Average Home Value | $410,080 |
Housing Distribution
Address Breakdown
Residential
1,287
Single Family
1,287
Multi-Family
0
Businesses
81
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jenna Talbot • Coldwell Banker Realty
Mls Name: Smart MLS
Mls ID: #24135207