635 Pine StreetBristolCT06010
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 635 Pine Street, Bristol, CT, 06010 in Bristol at $425,000 earns $3,060/mo in rent and nets $172/mo after the $1,911/mo payment, a 8.64% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $117,420 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $3,914/yr in principal paydown, total projected return reaches $173,387.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.0% |
| Monthly Cash Flow | $172 | $200 |
City averages based on Bristol market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,060 |
| Total Monthly Debt Service | $2,719 |
| DSCR Ratio | 1.13x |
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 1870
0.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06010, Bristol, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,698 (100%) |
| Owner Occupied HU | 16,830 (60.8%) |
| Renter Occupied HU | 9,356 (33.8%) |
| Vacant Housing Units | 1,512 ( 5.5%) |
| Median Home Value | $316,220 |
| Average Home Value | $341,970 |
Housing Distribution
Address Breakdown
Residential
27,024
Single Family
23,987
Multi-Family
3,037
Businesses
1,355
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 1870
0.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06010, Bristol, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,698 (100%) |
| Owner Occupied HU | 16,830 (60.8%) |
| Renter Occupied HU | 9,356 (33.8%) |
| Vacant Housing Units | 1,512 ( 5.5%) |
| Median Home Value | $316,220 |
| Average Home Value | $341,970 |
Housing Distribution
Address Breakdown
Residential
27,024
Single Family
23,987
Multi-Family
3,037
Businesses
1,355
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Valentin • Lamacchia Realty
Mls Name: Smart MLS
Mls ID: #24111536