86 Pinecrest Drive #4CEssex JunctionVT05452
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 86 Pinecrest Drive #4C, Essex Junction, VT, 05452 in Essex Junction, $249,900, 8.2% gross yield, $45/mo net income. Consider it a market-entry position, the $1,708/mo rent covers the $1,124/mo payment with a margin, and 5%/yr appreciation is projected to add $69,043 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.52) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $98,201.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.6% |
| Monthly Cash Flow | $45 | $1,250 |
City averages based on Essex Junction market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,708 |
| Total Monthly Debt Service | $1,563 |
| DSCR Ratio | 1.09x |
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.
Townhouse
Built in 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05452, Essex Junction, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,988 (100%) |
| Owner Occupied HU | 6,902 (69.1%) |
| Renter Occupied HU | 2,778 (27.8%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $450,641 |
| Average Home Value | $493,853 |
Housing Distribution
Address Breakdown
Residential
9,867
Single Family
9,092
Multi-Family
775
Businesses
603
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
Townhouse
Built in 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05452, Essex Junction, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,988 (100%) |
| Owner Occupied HU | 6,902 (69.1%) |
| Renter Occupied HU | 2,778 (27.8%) |
| Vacant Housing Units | 308 ( 3.1%) |
| Median Home Value | $450,641 |
| Average Home Value | $493,853 |
Housing Distribution
Address Breakdown
Residential
9,867
Single Family
9,092
Multi-Family
775
Businesses
603
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jake Miller • Vermont Real Estate Company
Mls Name: PrimeMLS
Mls ID: #5056063