4 Hemlock TrailEllingtonCT06029
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4 Hemlock Trail, Ellington, CT, 06029 in Ellington fits: $600,000, 4.32% gross yield, and a projected 5% annual appreciation rate adding $165,769 in value within five years. Rental yield 4.32%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.35) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,526/yr in principal paydown and $165,769 in appreciation project a total return of $201,872.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 5.5% |
| Monthly Cash Flow | $(1,916) | $200 |
City averages based on Ellington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,654 |
| Total Monthly Debt Service | $3,838 |
| DSCR Ratio | 0.95x |
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 2005
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06029, Ellington, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,044 (100%) |
| Owner Occupied HU | 4,614 (65.5%) |
| Renter Occupied HU | 2,097 (29.8%) |
| Vacant Housing Units | 333 ( 4.7%) |
| Median Home Value | $390,193 |
| Average Home Value | $432,805 |
Housing Distribution
Address Breakdown
Residential
6,931
Single Family
6,839
Multi-Family
92
Businesses
306
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 2005
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06029, Ellington, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,044 (100%) |
| Owner Occupied HU | 4,614 (65.5%) |
| Renter Occupied HU | 2,097 (29.8%) |
| Vacant Housing Units | 333 ( 4.7%) |
| Median Home Value | $390,193 |
| Average Home Value | $432,805 |
Housing Distribution
Address Breakdown
Residential
6,931
Single Family
6,839
Multi-Family
92
Businesses
306
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sherry Borgeson • Berkshire Hathaway NE Prop.
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24087415
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.