408 Mill RoadWhite River JunctionVT05001
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 408 Mill Road, White River Junction, VT, 05001 in White River Junction speaks for itself: 12.3% gross on a $171,900 price, generating $1,730/mo in rent and $618/mo in net income after the $773/mo debt service. DSCR 2.24, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,421 stacks alongside $47,493 in projected five-year appreciation and $1,583/yr in principal reduction. Projected total cumulative return: $103,271.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 5.8% |
| Monthly Cash Flow | $618 | $420 |
City averages based on White River Junction market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,730 |
| Total Monthly Debt Service | $1,075 |
| DSCR Ratio | 1.61x |
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.
Multi Family
Built in 1900
0.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05001, White River Junction, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,523 (100%) |
| Owner Occupied HU | 2,646 (58.5%) |
| Renter Occupied HU | 1,438 (31.8%) |
| Vacant Housing Units | 439 ( 9.7%) |
| Median Home Value | $315,214 |
| Average Home Value | $379,354 |
Housing Distribution
Address Breakdown
Residential
3,545
Single Family
3,335
Multi-Family
210
Businesses
550
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
Multi Family
Built in 1900
0.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05001, White River Junction, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,523 (100%) |
| Owner Occupied HU | 2,646 (58.5%) |
| Renter Occupied HU | 1,438 (31.8%) |
| Vacant Housing Units | 439 ( 9.7%) |
| Median Home Value | $315,214 |
| Average Home Value | $379,354 |
Housing Distribution
Address Breakdown
Residential
3,545
Single Family
3,335
Multi-Family
210
Businesses
550
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marin Haney • Coldwell Banker LIFESTYLES - Hanover
Mls Name: PrimeMLS
Mls Provider:
Mls ID: #5036568
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 2025-05-06 13:24:21 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.