48 Independence GreenMontpelierVT05602
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Montpelier rentals match the income profile of 48 Independence Green, Montpelier, VT, 05602. Listed at $339,000, gross rent is $2,846/mo and net cash flow is $591/mo, a 10.08% yield well above national averages. DSCR 1.87 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $93,659 by year five with $3,122/yr in annual principal reduction, projecting $167,263 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.8% |
| Monthly Cash Flow | $591 | $850 |
City averages based on Montpelier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,846 |
| Total Monthly Debt Service | $2,120 |
| DSCR Ratio | 1.34x |
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.
Townhouse
Built in 1976
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05602, Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,099 (100%) |
| Owner Occupied HU | 3,698 (60.6%) |
| Renter Occupied HU | 1,967 (32.3%) |
| Vacant Housing Units | 434 ( 7.1%) |
| Median Home Value | $386,997 |
| Average Home Value | $427,179 |
Housing Distribution
Address Breakdown
Residential
6,056
Single Family
5,636
Multi-Family
420
Businesses
730
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
Townhouse
Built in 1976
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05602, Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,099 (100%) |
| Owner Occupied HU | 3,698 (60.6%) |
| Renter Occupied HU | 1,967 (32.3%) |
| Vacant Housing Units | 434 ( 7.1%) |
| Median Home Value | $386,997 |
| Average Home Value | $427,179 |
Housing Distribution
Address Breakdown
Residential
6,056
Single Family
5,636
Multi-Family
420
Businesses
730
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lucy Ferrada • Heney Realtors - Element Real Estate (Montpelier)
Mls Name: PrimeMLS
Mls ID: #5056596