955 Whalley RoadCharlotteVT05445
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Charlotte at 955 Whalley Road, Charlotte, VT, 05445 projects strong ROI of -0.48%. Rental yield 1.45%. With 5% annual appreciation, the property builds $1,933,971 in value over five years. Equity growth combined delivers a projected five-year ROI of 10.89%, translating into $215,273 in total cumulative return on $1,977,500 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.5% | 6.2% |
| Monthly Cash Flow | $(38,121) | $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 | $8,449 |
| Total Monthly Debt Service | $43,785 |
| DSCR Ratio | 0.19x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1940
15.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05445, Charlotte, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,826 (100%) |
| Owner Occupied HU | 1,381 (75.6%) |
| Renter Occupied HU | 183 (10.0%) |
| Vacant Housing Units | 262 (14.3%) |
| Median Home Value | $694,259 |
| Average Home Value | $797,355 |
Housing Distribution
Address Breakdown
Residential
1,506
Single Family
1,506
Multi-Family
0
Businesses
89
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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 1940
15.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05445, Charlotte, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,826 (100%) |
| Owner Occupied HU | 1,381 (75.6%) |
| Renter Occupied HU | 183 (10.0%) |
| Vacant Housing Units | 262 (14.3%) |
| Median Home Value | $694,259 |
| Average Home Value | $797,355 |
Housing Distribution
Address Breakdown
Residential
1,506
Single Family
1,506
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices