420 Valley RdCos CobCT06807
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 420 Valley Rd, Cos Cob, CT, 06807 in Cos Cob. At $950,000 it earns $7,687/mo in rent and distributes $1,232/mo to the owner after the $4,272/mo payment, a consistent 9.71% yield. DSCR 1.80 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $262,467 in value; $8,750/yr in principal paydown compounds ownership stake. Total projected return: $441,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 5.2% |
| Monthly Cash Flow | $1,232 | $1,500 |
City averages based on Cos Cob market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,687 |
| Total Monthly Debt Service | $6,077 |
| DSCR Ratio | 1.26x |
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 1960
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06807, Cos Cob, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,891 (100%) |
| Owner Occupied HU | 2,032 (70.3%) |
| Renter Occupied HU | 709 (24.5%) |
| Vacant Housing Units | 150 ( 5.2%) |
| Median Home Value | $1,357,004 |
| Average Home Value | $1,453,123 |
Housing Distribution
Address Breakdown
Residential
2,859
Single Family
2,810
Multi-Family
49
Businesses
349
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 1960
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06807, Cos Cob, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,891 (100%) |
| Owner Occupied HU | 2,032 (70.3%) |
| Renter Occupied HU | 709 (24.5%) |
| Vacant Housing Units | 150 ( 5.2%) |
| Median Home Value | $1,357,004 |
| Average Home Value | $1,453,123 |
Housing Distribution
Address Breakdown
Residential
2,859
Single Family
2,810
Multi-Family
49
Businesses
349
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Greenwich MLS, Inc.
Mls ID: #124561