60 South StreetProctorVT05765
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 60 South Street, Proctor, VT, 05765 in Proctor is narrow, $114/mo net on $846/mo rent after the $495/mo debt service, but the property operates at break-even-plus, not a loss. At $110,000 with a 9.23% yield, the long-run equity case via 5% appreciation ($30,391 over five years) and $1,013/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $49,285.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $114 | $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 | $846 |
| Total Monthly Debt Service | $688 |
| DSCR Ratio | 1.23x |
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.
Apartment
Built in 1954
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05765, Proctor, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 798 (100%) |
| Owner Occupied HU | 557 (69.8%) |
| Renter Occupied HU | 144 (18.0%) |
| Vacant Housing Units | 97 (12.2%) |
| Median Home Value | $254,563 |
| Average Home Value | $320,839 |
Housing Distribution
Address Breakdown
Residential
763
Single Family
751
Multi-Family
12
Businesses
30
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
Apartment
Built in 1954
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05765, Proctor, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 798 (100%) |
| Owner Occupied HU | 557 (69.8%) |
| Renter Occupied HU | 144 (18.0%) |
| Vacant Housing Units | 97 (12.2%) |
| Median Home Value | $254,563 |
| Average Home Value | $320,839 |
Housing Distribution
Address Breakdown
Residential
763
Single Family
751
Multi-Family
12
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices