4 Gorham LaneMiddleburyVT05753
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4 Gorham Lane, Middlebury, VT, 05753 in Middlebury at $499,000 earns $3,432/mo in rent and nets $112/mo after the $2,244/mo payment, a 8.25% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $137,865 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $4,596/yr in principal paydown, total projected return reaches $197,435.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $112 | $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 | $3,432 |
| Total Monthly Debt Service | $3,121 |
| 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 1959
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05753, Middlebury, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,319 (100%) |
| Owner Occupied HU | 2,658 (61.5%) |
| Renter Occupied HU | 1,297 (30.0%) |
| Vacant Housing Units | 364 ( 8.4%) |
| Median Home Value | $432,365 |
| Average Home Value | $474,635 |
Housing Distribution
Address Breakdown
Residential
3,856
Single Family
3,373
Multi-Family
483
Businesses
564
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 1959
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05753, Middlebury, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,319 (100%) |
| Owner Occupied HU | 2,658 (61.5%) |
| Renter Occupied HU | 1,297 (30.0%) |
| Vacant Housing Units | 364 ( 8.4%) |
| Median Home Value | $432,365 |
| Average Home Value | $474,635 |
Housing Distribution
Address Breakdown
Residential
3,856
Single Family
3,373
Multi-Family
483
Businesses
564
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5081741