74 Spaulding Road #I4CavendishVT05153
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 74 Spaulding Road #I4, Cavendish, VT, 05153 in Cavendish is straightforward: $529,000 in, $3,960/mo in rent, $441/mo out after debt service. The 8.98% gross yield and 1.66 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $146,153 by year five. With $4,872/yr in principal equity, the total cumulative return is projected at $230,002.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $441 | $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 | $3,960 |
| Total Monthly Debt Service | $3,309 |
| DSCR Ratio | 1.20x |
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.
Condo
Built in 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05153, Proctorsville, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 695 (100%) |
| Owner Occupied HU | 344 (49.5%) |
| Renter Occupied HU | 61 ( 8.8%) |
| Vacant Housing Units | 290 (41.7%) |
| Median Home Value | $344,444 |
| Average Home Value | $439,920 |
Housing Distribution
Address Breakdown
Residential
268
Single Family
262
Multi-Family
6
Businesses
33
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
Condo
Built in 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05153, Proctorsville, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 695 (100%) |
| Owner Occupied HU | 344 (49.5%) |
| Renter Occupied HU | 61 ( 8.8%) |
| Vacant Housing Units | 290 (41.7%) |
| Median Home Value | $344,444 |
| Average Home Value | $439,920 |
Housing Distribution
Address Breakdown
Residential
268
Single Family
262
Multi-Family
6
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices