40 Raiches Cross RoadDanbyVT05739
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Danby rental at 40 Raiches Cross Road, Danby, VT, 05739 sits in the solid-income band: 9.57% gross yield, $1,348/mo rent, $224/mo net after the $760/mo debt service, DSCR 1.77. Entry price of $169,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $46,692 and $1,557/yr in principal reduction bring total cumulative return to $78,823.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $224 | $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 | $1,348 |
| Total Monthly Debt Service | $1,057 |
| DSCR Ratio | 1.28x |
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 1810
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05739, Danby, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 697 (100%) |
| Owner Occupied HU | 427 (61.3%) |
| Renter Occupied HU | 104 (14.9%) |
| Vacant Housing Units | 166 (23.8%) |
| Median Home Value | $366,832 |
| Average Home Value | $451,341 |
Housing Distribution
Address Breakdown
Residential
531
Single Family
531
Multi-Family
0
Businesses
36
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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 1810
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05739, Danby, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 697 (100%) |
| Owner Occupied HU | 427 (61.3%) |
| Renter Occupied HU | 104 (14.9%) |
| Vacant Housing Units | 166 (23.8%) |
| Median Home Value | $366,832 |
| Average Home Value | $451,341 |
Housing Distribution
Address Breakdown
Residential
531
Single Family
531
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices