76 Three Mile Hill RdMiddleburyCT06762
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play76 Three Mile Hill Rd, Middlebury, CT, 06762 in Middlebury is priced for appreciation, not yield. Rental yield 5.04%. At $629,000 with a 5.04% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $173,781 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.97) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $324,495.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.5% |
| Monthly Cash Flow | $(1,634) | $1,500 |
City averages based on Middlebury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,584 |
| Total Monthly Debt Service | $4,023 |
| DSCR Ratio | 1.39x |
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 1954
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06762, Middlebury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,235 (100%) |
| Owner Occupied HU | 2,778 (85.9%) |
| Renter Occupied HU | 280 ( 8.7%) |
| Vacant Housing Units | 177 ( 5.5%) |
| Median Home Value | $498,512 |
| Average Home Value | $531,036 |
Housing Distribution
Address Breakdown
Residential
3,042
Single Family
2,970
Multi-Family
72
Businesses
402
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 1954
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06762, Middlebury, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,235 (100%) |
| Owner Occupied HU | 2,778 (85.9%) |
| Renter Occupied HU | 280 ( 8.7%) |
| Vacant Housing Units | 177 ( 5.5%) |
| Median Home Value | $498,512 |
| Average Home Value | $531,036 |
Housing Distribution
Address Breakdown
Residential
3,042
Single Family
2,970
Multi-Family
72
Businesses
402
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Clarke • Dave Jones Realty, LLC
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24085398
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.