4 Whipple DriveEssex JunctionVT05452
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 4 Whipple Drive, Essex Junction, VT, 05452 in Essex Junction worth modelling. At $678,000 with a 7.99% gross yield, the $2,606/mo rent leaves $2/mo after the $3,049/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 0.85 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $187,319 by year five; $6,244/yr in principal reduction adds further equity. Total projected return: $135,866.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 4.6% |
| Monthly Cash Flow | $2 | $1,250 |
City averages based on Essex Junction market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,606 |
| Total Monthly Debt Service | $4,241 |
| DSCR Ratio | 0.61x |
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 1986
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05452, Essex Junction, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,988 (100%) |
| Owner Occupied HU | 6,902 (69.1%) |
| Renter Occupied HU | 2,778 (27.8%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $450,641 |
| Average Home Value | $493,853 |
Housing Distribution
Address Breakdown
Residential
9,867
Single Family
9,092
Multi-Family
775
Businesses
603
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 1986
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05452, Essex Junction, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,988 (100%) |
| Owner Occupied HU | 6,902 (69.1%) |
| Renter Occupied HU | 2,778 (27.8%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $450,641 |
| Average Home Value | $493,853 |
Housing Distribution
Address Breakdown
Residential
9,867
Single Family
9,092
Multi-Family
775
Businesses
603
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robbi Handy Holmes • BHHS Vermont Realty Group/S Burlington
Mls Name: PrimeMLS
Mls ID: #5038805