4144 Kirby Mountain RoadConcordVT05824
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4144 Kirby Mountain Road, Concord, VT, 05824 in Concord. Priced at $375,000, it generates $3,406/mo in gross rent and $911/mo in net monthly cash flow, a 10.9% yield that comfortably supports the 2.02 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,929. Five-year appreciation: $103,606. Equity from principal paydown: $3,454/yr. Total projected cumulative return: $201,608.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $911 | $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 | $3,406 |
| Total Monthly Debt Service | $2,346 |
| DSCR Ratio | 1.45x |
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 1992
10.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05824, Concord, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 690 (100%) |
| Owner Occupied HU | 382 (55.4%) |
| Renter Occupied HU | 61 ( 8.8%) |
| Vacant Housing Units | 247 (35.8%) |
| Median Home Value | $187,500 |
| Average Home Value | $316,531 |
Housing Distribution
Address Breakdown
Residential
419
Single Family
419
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 1992
10.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 05824, Concord, VT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 690 (100%) |
| Owner Occupied HU | 382 (55.4%) |
| Renter Occupied HU | 61 ( 8.8%) |
| Vacant Housing Units | 247 (35.8%) |
| Median Home Value | $187,500 |
| Average Home Value | $316,531 |
Housing Distribution
Address Breakdown
Residential
419
Single Family
419
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
