63 Stevens Hill EastHardwickVT05843
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 63 Stevens Hill East, Hardwick, VT, 05843 in Hardwick at $549,000, 4.98% gross yield, is a market-growth asset. Rental yield 4.98%. The $2,280/mo rent partially funds the $2,469/mo debt service; the core return is the 5%/yr price growth projected to add $151,679 over five years. Ziffy Mortgage's DSCR mortgage (0.92) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $120,949.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(1,372) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $3,434 |
| DSCR Ratio | 0.66x |
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 1980
10.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05843, Hardwick, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,279 (100%) |
| Owner Occupied HU | 822 (64.3%) |
| Renter Occupied HU | 267 (20.9%) |
| Vacant Housing Units | 190 (14.9%) |
| Median Home Value | $215,068 |
| Average Home Value | $255,198 |
Housing Distribution
Address Breakdown
Residential
680
Single Family
664
Multi-Family
16
Businesses
126
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 1980
10.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05843, Hardwick, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,279 (100%) |
| Owner Occupied HU | 822 (64.3%) |
| Renter Occupied HU | 267 (20.9%) |
| Vacant Housing Units | 190 (14.9%) |
| Median Home Value | $215,068 |
| Average Home Value | $255,198 |
Housing Distribution
Address Breakdown
Residential
680
Single Family
664
Multi-Family
16
Businesses
126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices