908 Deer Yard DriveSaint AlbansVT05478
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 908 Deer Yard Drive, Saint Albans, VT, 05478 in Saint Albans is narrow, $180/mo net on $2,369/mo rent after the $1,479/mo debt service, but the property operates at break-even-plus, not a loss. At $329,000 with a 8.64% yield, the long-run equity case via 5% appreciation ($90,897 over five years) and $3,030/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.60 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $137,063.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $180 | $850 |
City averages based on Saint Albans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,369 |
| Total Monthly Debt Service | $2,058 |
| DSCR Ratio | 1.15x |
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.
Manufactured
Built in 2012
1.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
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
Manufactured
Built in 2012
1.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05478, Saint Albans, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,592 (100%) |
| Owner Occupied HU | 4,568 (60.2%) |
| Renter Occupied HU | 2,325 (30.6%) |
| Vacant Housing Units | 699 ( 9.2%) |
| Median Home Value | $351,416 |
| Average Home Value | $376,562 |
Housing Distribution
Address Breakdown
Residential
6,885
Single Family
6,264
Multi-Family
621
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5067543