42 Messenger StreetSaint AlbansVT05478
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 42 Messenger Street, Saint Albans, VT, 05478 in Saint Albans: $1,742/mo in rent, $355/mo in net income, 9.18% gross yield, 1.01 DSCR, all at $385,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $106,368 in appreciation and $3,546/yr in principal paydown projects total cumulative return of $94,096.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $355 | $850 |
City averages based on Saint Albans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,742 |
| Total Monthly Debt Service | $2,408 |
| DSCR Ratio | 0.72x |
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.
Multi Family
Built in 1900
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
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
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: PJ Poquette • Paul Poquette Realty Group, LLC
Mls Name: PrimeMLS
Mls Provider:
Mls ID: #5039298
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 2025-10-12 23:23:50 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.