747 Elm StreetDerby LineVT05830
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Derby Line rentals match the income profile of 747 Elm Street, Derby Line, VT, 05830. Listed at $279,000, gross rent is $2,501/mo and net cash flow is $645/mo, a 10.76% yield well above national averages. DSCR 1.99 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $77,083 by year five with $2,570/yr in annual principal reduction, projecting $147,860 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $645 | $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 | $2,501 |
| Total Monthly Debt Service | $1,745 |
| DSCR Ratio | 1.43x |
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 1967
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05830, Derby Line, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 853 (100%) |
| Owner Occupied HU | 522 (61.2%) |
| Renter Occupied HU | 150 (17.6%) |
| Vacant Housing Units | 181 (21.2%) |
| Median Home Value | $211,811 |
| Average Home Value | $340,311 |
Housing Distribution
Address Breakdown
Residential
471
Single Family
461
Multi-Family
10
Businesses
51
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 1967
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05830, Derby Line, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 853 (100%) |
| Owner Occupied HU | 522 (61.2%) |
| Renter Occupied HU | 150 (17.6%) |
| Vacant Housing Units | 181 (21.2%) |
| Median Home Value | $211,811 |
| Average Home Value | $340,311 |
Housing Distribution
Address Breakdown
Residential
471
Single Family
461
Multi-Family
10
Businesses
51
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5082356