88 Coles RoadWest CharlestonVT05872
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 88 Coles Road, West Charleston, VT, 05872 in West Charleston. Priced at $150,000, it generates $1,800/mo in gross rent and $802/mo in net monthly cash flow, a 14.4% yield that comfortably supports the 2.67 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,625. Five-year appreciation: $41,442. Equity from principal paydown: $1,382/yr. Total projected cumulative return: $108,872.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.4% | 6.2% |
| Monthly Cash Flow | $802 | $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 | $1,800 |
| Total Monthly Debt Service | $938 |
| DSCR Ratio | 1.92x |
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 1989
13.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05872, West Charleston, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 771 (100%) |
| Owner Occupied HU | 388 (50.3%) |
| Renter Occupied HU | 73 ( 9.5%) |
| Vacant Housing Units | 310 (40.2%) |
| Median Home Value | $233,333 |
| Average Home Value | $301,566 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
332
Multi-Family
0
Businesses
6
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 1989
13.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05872, West Charleston, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 771 (100%) |
| Owner Occupied HU | 388 (50.3%) |
| Renter Occupied HU | 73 ( 9.5%) |
| Vacant Housing Units | 310 (40.2%) |
| Median Home Value | $233,333 |
| Average Home Value | $301,566 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
332
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices