45 Dwight RoadMiddlefieldCT06455
INVESTMENT ANALYSIS
Investment Verdict
Solid Income45 Dwight Road, Middlefield, CT, 06455 in Middlefield is a solid income-producing rental, 9.71% gross yield, $3,479/mo rent, $558/mo net cash flow on a $429,900 buy. DSCR 1.80 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $118,773 and $3,959/yr in principal reduction project a total cumulative return of $200,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 7.0% |
| Monthly Cash Flow | $558 | $200 |
City averages based on Middlefield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,479 |
| Total Monthly Debt Service | $2,750 |
| DSCR Ratio | 1.27x |
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 1974
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06455, Middlefield, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,358 (100%) |
| Owner Occupied HU | 1,104 (81.3%) |
| Renter Occupied HU | 173 (12.7%) |
| Vacant Housing Units | 81 ( 6.0%) |
| Median Home Value | $469,649 |
| Average Home Value | $485,915 |
Housing Distribution
Address Breakdown
Residential
1,195
Single Family
1,195
Multi-Family
0
Businesses
139
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 1974
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06455, Middlefield, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,358 (100%) |
| Owner Occupied HU | 1,104 (81.3%) |
| Renter Occupied HU | 173 (12.7%) |
| Vacant Housing Units | 81 ( 6.0%) |
| Median Home Value | $469,649 |
| Average Home Value | $485,915 |
Housing Distribution
Address Breakdown
Residential
1,195
Single Family
1,195
Multi-Family
0
Businesses
139
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Smart MLS
Mls ID: #24056681