95 Harvard StreetHartfordCT06106
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 95 Harvard Street, Hartford, CT, 06106 in Hartford at $304,900 earns $2,224/mo in rent and nets $152/mo after the $1,371/mo payment, a 8.75% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $84,238 over five years. Ziffy Mortgage underwrites this on a 1.62 DSCR without U.S. credit history. With $2,808/yr in principal paydown, total projected return reaches $126,233.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $152 | $1,250 |
City averages based on Hartford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,224 |
| Total Monthly Debt Service | $1,950 |
| DSCR Ratio | 1.14x |
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 1955
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06106, Hartford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,400 (100%) |
| Owner Occupied HU | 3,313 (20.2%) |
| Renter Occupied HU | 11,191 (68.2%) |
| Vacant Housing Units | 1,896 (11.6%) |
| Median Home Value | $237,483 |
| Average Home Value | $287,007 |
Housing Distribution
Address Breakdown
Residential
15,293
Single Family
8,907
Multi-Family
6,386
Businesses
1,424
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 1955
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06106, Hartford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,400 (100%) |
| Owner Occupied HU | 3,313 (20.2%) |
| Renter Occupied HU | 11,191 (68.2%) |
| Vacant Housing Units | 1,896 (11.6%) |
| Median Home Value | $237,483 |
| Average Home Value | $287,007 |
Housing Distribution
Address Breakdown
Residential
15,293
Single Family
8,907
Multi-Family
6,386
Businesses
1,424
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jessica Lopez • Our Home Realty Advisors
Mls Name: Smart MLS
Mls ID: #24151981