46 Upper Cherry StreetHardwickVT05843
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $100,000, 46 Upper Cherry Street, Hardwick, VT, 05843 in Hardwick generates $778/mo in rent (9.34% yield) but nets only $113/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.73) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $27,628. Total projected return: $45,401.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $113 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $778 |
| Total Monthly Debt Service | $625 |
| DSCR Ratio | 1.24x |
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 1900
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05843, Hardwick, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,279 (100%) |
| Owner Occupied HU | 822 (64.3%) |
| Renter Occupied HU | 267 (20.9%) |
| Vacant Housing Units | 190 (14.9%) |
| Median Home Value | $215,068 |
| Average Home Value | $255,198 |
Housing Distribution
Address Breakdown
Residential
680
Single Family
664
Multi-Family
16
Businesses
126
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 1900
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05843, Hardwick, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,279 (100%) |
| Owner Occupied HU | 822 (64.3%) |
| Renter Occupied HU | 267 (20.9%) |
| Vacant Housing Units | 190 (14.9%) |
| Median Home Value | $215,068 |
| Average Home Value | $255,198 |
Housing Distribution
Address Breakdown
Residential
680
Single Family
664
Multi-Family
16
Businesses
126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Danica Rolfe • Pace Real Estate
Mls Name: PrimeMLS
Mls Provider:
Mls ID: #5038350
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 2025-05-11 13:11:26 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.