461 North Derby RoadNewportVT05855
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 461 North Derby Road, Newport, VT, 05855 in Newport is narrow, $126/mo net on $2,049/mo rent after the $1,370/mo debt service, but the property operates at break-even-plus, not a loss. At $289,000 with a 8.51% yield, the long-run equity case via 5% appreciation ($79,845 over five years) and $2,423/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $112,870.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $126 | $450 |
City averages based on Newport 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 | $2,049 |
| Total Monthly Debt Service | $1,878 |
| DSCR Ratio | 1.09x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1959
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05855, Newport, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,690 (100%) |
| Owner Occupied HU | 2,124 (57.6%) |
| Renter Occupied HU | 1,015 (27.5%) |
| Vacant Housing Units | 551 (14.9%) |
| Median Home Value | $225,673 |
| Average Home Value | $281,306 |
Housing Distribution
Address Breakdown
Residential
3,225
Single Family
3,118
Multi-Family
107
Businesses
434
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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
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