95 Joseph DriveGuilfordCT06437
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 95 Joseph Drive, Guilford, CT, 06437 in Guilford deserves attention. This $825,000 property earns $8,201/mo in rent, a 11.93% gross yield, and nets $2,595/mo after the $3,710/mo payment. DSCR 2.21 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $227,932 compounds alongside $7,598/yr in yearly equity build, for a total cumulative return of $482,024.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 5.2% |
| Monthly Cash Flow | $2,595 | $1,200 |
City averages based on Guilford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,201 |
| Total Monthly Debt Service | $5,277 |
| DSCR Ratio | 1.55x |
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 2000
2.19 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06437, Guilford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,679 (100%) |
| Owner Occupied HU | 7,587 (78.4%) |
| Renter Occupied HU | 1,276 (13.2%) |
| Vacant Housing Units | 816 ( 8.4%) |
| Median Home Value | $566,268 |
| Average Home Value | $620,913 |
Housing Distribution
Address Breakdown
Residential
9,388
Single Family
9,159
Multi-Family
229
Businesses
989
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 2000
2.19 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06437, Guilford, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,679 (100%) |
| Owner Occupied HU | 7,587 (78.4%) |
| Renter Occupied HU | 1,276 (13.2%) |
| Vacant Housing Units | 816 ( 8.4%) |
| Median Home Value | $566,268 |
| Average Home Value | $620,913 |
Housing Distribution
Address Breakdown
Residential
9,388
Single Family
9,159
Multi-Family
229
Businesses
989
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rose Ciardiello • William Raveis Real Estate
Mls Name: Smart MLS
Mls ID: #24127224