445 Church StreetBrooklynCT06234
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 445 Church Street, Brooklyn, CT, 06234 in Brooklyn at $535,000 earns $3,811/mo in rent and nets $176/mo after the $2,406/mo payment, a 8.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $147,811 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $4,927/yr in principal paydown, total projected return reaches $215,580.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $176 | $1,200 |
City averages based on Brooklyn 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 | $3,811 |
| Total Monthly Debt Service | $3,422 |
| DSCR Ratio | 1.11x |
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 2004
1.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06234, Brooklyn, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,340 (100%) |
| Owner Occupied HU | 2,456 (73.5%) |
| Renter Occupied HU | 741 (22.2%) |
| Vacant Housing Units | 143 ( 4.3%) |
| Median Home Value | $369,510 |
| Average Home Value | $434,897 |
Housing Distribution
Address Breakdown
Residential
3,166
Single Family
3,056
Multi-Family
110
Businesses
143
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 2004
1.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06234, Brooklyn, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,340 (100%) |
| Owner Occupied HU | 2,456 (73.5%) |
| Renter Occupied HU | 741 (22.2%) |
| Vacant Housing Units | 143 ( 4.3%) |
| Median Home Value | $369,510 |
| Average Home Value | $434,897 |
Housing Distribution
Address Breakdown
Residential
3,166
Single Family
3,056
Multi-Family
110
Businesses
143
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Skyla Gagnon • RE/MAX Bell Park Realty
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24103147
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.