8 Lilla LaneWilmingtonVT05363
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 8 Lilla Lane, Wilmington, VT, 05363 in Wilmington, $525,000, 8.1% gross yield, $50/mo net income. Consider it a market-entry position, the $3,542/mo rent covers the $2,361/mo payment with a margin, and 5%/yr appreciation is projected to add $145,048 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.50) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $203,284.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $50 | $18,500 |
City averages based on Wilmington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,542 |
| Total Monthly Debt Service | $3,284 |
| DSCR Ratio | 1.08x |
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 1975
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05363, Wilmington, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,589 (100%) |
| Owner Occupied HU | 802 (31.0%) |
| Renter Occupied HU | 283 (10.9%) |
| Vacant Housing Units | 1,504 (58.1%) |
| Median Home Value | $316,774 |
| Average Home Value | $400,237 |
Housing Distribution
Address Breakdown
Residential
615
Single Family
615
Multi-Family
0
Businesses
149
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 1975
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05363, Wilmington, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,589 (100%) |
| Owner Occupied HU | 802 (31.0%) |
| Renter Occupied HU | 283 (10.9%) |
| Vacant Housing Units | 1,504 (58.1%) |
| Median Home Value | $316,774 |
| Average Home Value | $400,237 |
Housing Distribution
Address Breakdown
Residential
615
Single Family
615
Multi-Family
0
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patricia Fitzpatrick • Skihome Realty
Mls Name: PrimeMLS
Mls ID: #5050061