TBD Hill StreetMontpelierVT05601
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, TBD Hill Street, Montpelier, VT, 05601 in Montpelier offers a clean, manageable entry. Rental yield 7.27%. DSCR 1.35 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $165,493 in additional property value over five years, with $5,517/yr in principal equity building ownership stake. Total projected cumulative return: $205,600.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.8% |
| Monthly Cash Flow | $(354) | $850 |
City averages based on Montpelier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,631 |
| Total Monthly Debt Service | $3,747 |
| DSCR Ratio | 0.97x |
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 N/A
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05601, Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
283
Single Family
0
Multi-Family
0
Businesses
275
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 N/A
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05601, Montpelier, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
283
Single Family
0
Multi-Family
0
Businesses
275
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Flex Realty Group • Flex Realty
Mls Name: PrimeMLS
Mls ID: #5044370