408 Huntington RoadScotlandCT06264
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 408 Huntington Road, Scotland, CT, 06264 in Scotland speaks for itself: 11.12% gross on a $350,000 price, generating $3,242/mo in rent and $864/mo in net income after the $1,574/mo debt service. DSCR 2.06, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,372 stacks alongside $96,699 in projected five-year appreciation and $3,224/yr in principal reduction. Projected total cumulative return: $189,199.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 9.0% |
| Monthly Cash Flow | $864 | $1,500 |
City averages based on Scotland market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,242 |
| Total Monthly Debt Service | $2,239 |
| DSCR Ratio | 1.45x |
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 1915
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06264, Scotland, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 55 (100%) |
| Owner Occupied HU | 49 (89.1%) |
| Renter Occupied HU | 4 ( 7.3%) |
| Vacant Housing Units | 2 ( 3.6%) |
| Median Home Value | $573,864 |
| Average Home Value | $625,510 |
Housing Distribution
Address Breakdown
Residential
30
Single Family
30
Multi-Family
0
Businesses
33
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 1915
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06264, Scotland, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 55 (100%) |
| Owner Occupied HU | 49 (89.1%) |
| Renter Occupied HU | 4 ( 7.3%) |
| Vacant Housing Units | 2 ( 3.6%) |
| Median Home Value | $573,864 |
| Average Home Value | $625,510 |
Housing Distribution
Address Breakdown
Residential
30
Single Family
30
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Smart MLS
Mls ID: #24172634