65 Ruby LaneStratfordCT06614
INVESTMENT ANALYSIS
Investment Verdict
Solid Income65 Ruby Lane, Stratford, CT, 06614 in Stratford is a solid income-producing rental, 9.36% gross yield, $4,094/mo rent, $527/mo net cash flow on a $525,000 buy. DSCR 1.73 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $145,048 and $4,835/yr in principal reduction project a total cumulative return of $234,364.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.8% |
| Monthly Cash Flow | $527 | $1,850 |
City averages based on Stratford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,094 |
| Total Monthly Debt Service | $3,358 |
| DSCR Ratio | 1.22x |
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 1993
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06614, Stratford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,730 (100%) |
| Owner Occupied HU | 11,437 (83.3%) |
| Renter Occupied HU | 1,743 (12.7%) |
| Vacant Housing Units | 550 ( 4.0%) |
| Median Home Value | $362,664 |
| Average Home Value | $451,603 |
Housing Distribution
Address Breakdown
Residential
13,364
Single Family
12,758
Multi-Family
606
Businesses
571
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 1993
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06614, Stratford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,730 (100%) |
| Owner Occupied HU | 11,437 (83.3%) |
| Renter Occupied HU | 1,743 (12.7%) |
| Vacant Housing Units | 550 ( 4.0%) |
| Median Home Value | $362,664 |
| Average Home Value | $451,603 |
Housing Distribution
Address Breakdown
Residential
13,364
Single Family
12,758
Multi-Family
606
Businesses
571
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacey R. Brown • ILM Realty LLC
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24102472
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.