4 Ruths DriveSaint AlbansVT05478
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 4 Ruths Drive, Saint Albans, VT, 05478 in Saint Albans is the 1.51 coverage ratio: rent of $2,066/mo versus a $1,371/mo debt payment on a $305,000 property. Rental yield 8.02%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $84,266 by year five, with $2,809/yr in equity from paydown. Total projected cumulative return: $114,182.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $(66) | $850 |
City averages based on Saint Albans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,066 |
| Total Monthly Debt Service | $1,983 |
| DSCR Ratio | 1.04x |
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.
Manufactured
Built in 2014
0.56 Acres lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
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
Manufactured
Built in 2014
0.56 Acres lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Cobb • Brian French Real Estate
Mls Name: PrimeMLS
Mls Provider:
Mls ID: #5035250
Disclaimer: Copyright 2025 PrimeMLS, Inc. All rights reserved. This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this display comes in part from the IDX Program of PrimeMLS. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 2025-04-14 11:28:55 PDT. This display of listings may or may not be the entire Compilation from the PrimeMLS database, and PrimeMLS does not guarantee the accuracy of such information.