405 Main StreetWardsboroVT05355
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 405 Main Street, Wardsboro, VT, 05355 in Wardsboro. Priced at $420,000, it generates $4,007/mo in gross rent and $1,213/mo in net monthly cash flow, a 11.45% yield that comfortably supports the 2.12 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $14,551. Five-year appreciation: $116,038. Equity from principal paydown: $3,868/yr. Total projected cumulative return: $238,141.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $1,213 | $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 | $4,007 |
| Total Monthly Debt Service | $2,627 |
| DSCR Ratio | 1.53x |
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 1830
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05355, Wardsboro, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 434 (100%) |
| Owner Occupied HU | 197 (45.4%) |
| Renter Occupied HU | 27 ( 6.2%) |
| Vacant Housing Units | 210 (48.4%) |
| Median Home Value | $410,606 |
| Average Home Value | $484,480 |
Housing Distribution
Address Breakdown
Residential
112
Single Family
112
Multi-Family
0
Businesses
11
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 1830
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05355, Wardsboro, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 434 (100%) |
| Owner Occupied HU | 197 (45.4%) |
| Renter Occupied HU | 27 ( 6.2%) |
| Vacant Housing Units | 210 (48.4%) |
| Median Home Value | $410,606 |
| Average Home Value | $484,480 |
Housing Distribution
Address Breakdown
Residential
112
Single Family
112
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices