48 Lower Circle ExtensionRichmondVT05477
INVESTMENT ANALYSIS
Investment Verdict
Solid Income48 Lower Circle Extension, Richmond, VT, 05477 in Richmond earns a respectable 9.54% gross yield at $125,000, but after the $562/mo mortgage the net cash flow is $162/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.77) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $34,535 over five years, making equity the dominant return driver. Total projected return: $58,159.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $162 | $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 | $994 |
| Total Monthly Debt Service | $782 |
| DSCR Ratio | 1.27x |
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.
Manufactured
Built in 1998
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05477, Richmond, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,226 (100%) |
| Owner Occupied HU | 1,747 (78.5%) |
| Renter Occupied HU | 323 (14.5%) |
| Vacant Housing Units | 156 ( 7.0%) |
| Median Home Value | $557,639 |
| Average Home Value | $558,037 |
Housing Distribution
Address Breakdown
Residential
1,730
Single Family
1,700
Multi-Family
30
Businesses
176
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
Manufactured
Built in 1998
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05477, Richmond, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,226 (100%) |
| Owner Occupied HU | 1,747 (78.5%) |
| Renter Occupied HU | 323 (14.5%) |
| Vacant Housing Units | 156 ( 7.0%) |
| Median Home Value | $557,639 |
| Average Home Value | $558,037 |
Housing Distribution
Address Breakdown
Residential
1,730
Single Family
1,700
Multi-Family
30
Businesses
176
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices