97 Lake StreetShorehamVT05770
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 97 Lake Street, Shoreham, VT, 05770 in Shoreham is narrow, $86/mo net on $2,474/mo rent after the $1,614/mo debt service, but the property operates at break-even-plus, not a loss. At $359,000 with a 8.27% yield, the long-run equity case via 5% appreciation ($99,185 over five years) and $3,306/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $142,390.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $86 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,474 |
| Total Monthly Debt Service | $2,246 |
| DSCR Ratio | 1.10x |
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 1996
10.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05770, Shoreham, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 548 (100%) |
| Owner Occupied HU | 376 (68.6%) |
| Renter Occupied HU | 86 (15.7%) |
| Vacant Housing Units | 86 (15.7%) |
| Median Home Value | $376,923 |
| Average Home Value | $442,128 |
Housing Distribution
Address Breakdown
Residential
477
Single Family
477
Multi-Family
0
Businesses
30
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 1996
10.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05770, Shoreham, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 548 (100%) |
| Owner Occupied HU | 376 (68.6%) |
| Renter Occupied HU | 86 (15.7%) |
| Vacant Housing Units | 86 (15.7%) |
| Median Home Value | $376,923 |
| Average Home Value | $442,128 |
Housing Distribution
Address Breakdown
Residential
477
Single Family
477
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices