478 Brock Hill RoadNewburyVT05051
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 478 Brock Hill Road, Newbury, VT, 05051 in Newbury: $1,197/mo in rent, $206/mo in net income, 9.64% gross yield, 1.79 DSCR, all at $149,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $41,166 in appreciation and $1,372/yr in principal paydown projects total cumulative return of $70,036.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $206 | $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 | $1,197 |
| Total Monthly Debt Service | $932 |
| DSCR Ratio | 1.28x |
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
5.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05051, Newbury, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 610 (100%) |
| Owner Occupied HU | 335 (54.9%) |
| Renter Occupied HU | 104 (17.0%) |
| Vacant Housing Units | 171 (28.0%) |
| Median Home Value | $303,247 |
| Average Home Value | $346,112 |
Housing Distribution
Address Breakdown
Residential
306
Single Family
292
Multi-Family
14
Businesses
31
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
5.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05051, Newbury, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 610 (100%) |
| Owner Occupied HU | 335 (54.9%) |
| Renter Occupied HU | 104 (17.0%) |
| Vacant Housing Units | 171 (28.0%) |
| Median Home Value | $303,247 |
| Average Home Value | $346,112 |
Housing Distribution
Address Breakdown
Residential
306
Single Family
292
Multi-Family
14
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices