55 Howard RoadMontgomery CenterVT05471
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 55 Howard Road, Montgomery Center, VT, 05471 in Montgomery Center earns a 9.33% gross yield at $199,999. Rent of $1,555/mo nets $224/mo after the $899/mo mortgage. The 1.73 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $55,256 and $1,842/yr in equity accumulation project a total cumulative return of $90,730.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $224 | $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 | $1,555 |
| Total Monthly Debt Service | $1,251 |
| DSCR Ratio | 1.24x |
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
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05471, Montgomery Center, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 635 (100%) |
| Owner Occupied HU | 354 (55.7%) |
| Renter Occupied HU | 59 ( 9.3%) |
| Vacant Housing Units | 222 (35.0%) |
| Median Home Value | $372,632 |
| Average Home Value | $434,838 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
29
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
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05471, Montgomery Center, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 635 (100%) |
| Owner Occupied HU | 354 (55.7%) |
| Renter Occupied HU | 59 ( 9.3%) |
| Vacant Housing Units | 222 (35.0%) |
| Median Home Value | $372,632 |
| Average Home Value | $434,838 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lipkin Audette Team • Coldwell Banker Hickok and Boardman
Mls Name: PrimeMLS
Mls ID: #5066638