661 Ripley Road #2Waterbury CenterVT05677
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.3% gross rental yield, 661 Ripley Road #2, Waterbury Center, VT, 05677 in Waterbury Center is priced for capital growth, not immediate cash flow. The $1,893,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $523,001 by year five, with $17,435/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.61) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $246,096.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.2% |
| Monthly Cash Flow | $(7,389) | $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 | $5,204 |
| Total Monthly Debt Service | $11,841 |
| DSCR Ratio | 0.44x |
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 1993
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05677, Waterbury Center, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 827 (75.2%) |
| Renter Occupied HU | 171 (15.5%) |
| Vacant Housing Units | 102 ( 9.3%) |
| Median Home Value | $557,248 |
| Average Home Value | $618,422 |
Housing Distribution
Address Breakdown
Residential
952
Single Family
952
Multi-Family
0
Businesses
81
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
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05677, Waterbury Center, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 827 (75.2%) |
| Renter Occupied HU | 171 (15.5%) |
| Vacant Housing Units | 102 ( 9.3%) |
| Median Home Value | $557,248 |
| Average Home Value | $618,422 |
Housing Distribution
Address Breakdown
Residential
952
Single Family
952
Multi-Family
0
Businesses
81
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pall Spera • Pall Spera Company Realtors-Stowe
Mls Name: PrimeMLS
Mls ID: #5041467