48 Baxter StreetRutlandVT05701
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 48 Baxter Street, Rutland, VT, 05701 in Rutland at $220,000 earns $1,536/mo in rent and nets $72/mo after the $989/mo payment, a 8.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,782 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $2,026/yr in principal paydown, total projected return reaches $88,586.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.8% |
| Monthly Cash Flow | $72 | $450 |
City averages based on Rutland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,536 |
| Total Monthly Debt Service | $1,376 |
| DSCR Ratio | 1.12x |
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 1890
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05701, Rutland, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,558 (100%) |
| Owner Occupied HU | 5,532 (52.4%) |
| Renter Occupied HU | 3,784 (35.8%) |
| Vacant Housing Units | 1,242 (11.8%) |
| Median Home Value | $247,267 |
| Average Home Value | $292,444 |
Housing Distribution
Address Breakdown
Residential
9,417
Single Family
9,113
Multi-Family
304
Businesses
1,136
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 1890
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05701, Rutland, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,558 (100%) |
| Owner Occupied HU | 5,532 (52.4%) |
| Renter Occupied HU | 3,784 (35.8%) |
| Vacant Housing Units | 1,242 (11.8%) |
| Median Home Value | $247,267 |
| Average Home Value | $292,444 |
Housing Distribution
Address Breakdown
Residential
9,417
Single Family
9,113
Multi-Family
304
Businesses
1,136
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices