538 Winthrop Road #5Deep RiverCT06417
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 538 Winthrop Road #5, Deep River, CT, 06417 in Deep River the bet is firmly on appreciation. Rental yield 5.32%. The 5.32% gross yield on a $363,900 price is below income-first thresholds, but 5%/yr value growth projects $100,539 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.99) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $83,723.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.0% |
| Monthly Cash Flow | $(859) | $1,500 |
City averages based on Deep River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,614 |
| Total Monthly Debt Service | $2,328 |
| DSCR Ratio | 0.69x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1945
10,018 sqft lot
$N/A/sqft
No HOA
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 1945
10,018 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Santo Gulino • William Raveis Real Estate
Mls Name: Smart MLS
Mls ID: #24089247