224 QIV Jackson Gore Inn Unit 224 QIV · Ludlow, VT 05149

$95,000

2 bd · 2.0 ba · 1,025 sqft · Condo · 212 Days on market

Built 2003 Good condition $93/sqft · 86% below area $257/mo HOA · 14% of rent

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Why this score? — see what drove the B+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Schools +5.0/10.0
• Condition / age +4.0/5.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0

Listing remarks MLS

Experience Vermont's Premier Mountain Living Without Full Ownership Costs. Step directly onto Okemo's slopes from your slopeside retreat at Jackson Gore. This condo-tel quarter-share gives you deeded ownership of 13 weeks annually (25% of the year)—at a fraction of the cost of whole ownership. You own one of four deeded interests in this unit. You receive every fourth week on a rotating schedule, guaranteeing time across all seasons: winter ski weeks plus spring, summer, and fall. The rotation ensures fair distribution—over time, every owner enjoys premium holidays. Use your weeks or place them in the rental program. This isn't a timeshare—it's real property with a deed, appreciation potential, and true ownership benefits. True Ski-In/Ski-Off Access: wake up, grab gear from your private locker, and be on slopes within minutes. Ski directly back to the door at day's end. Fully furnished and turnkey-ready: full kitchen, gas fireplace, jetted tub, quality linens and housewares. Rental Income Potential: not using all 13 weeks? Jackson Gore's year-round popularity creates strong rental demand. Many owners offset maintenance fees and taxes through rental income. Own your slice of one of Vermont's most sought-after ski villages. Carve first tracks, splash in the pool, or relax fireside—Jackson Gore delivers the mountain lifestyle you've dreamed about, 13 weeks at a time. Real property ownership is subject to the Right of First Refusal. Review all association documents.

Key facts

• Full kitchen
• Gas fireplace
• Jetted tub

Tags

• SKI-IN SKI-OFF ACCESS
• PRIVATE LOCKER
• FULLY FURNISHED
• FULL KITCHEN
• GAS FIREPLACE
• JETTED TUB

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $95k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $536 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $95k).
• Recommended offer: $84k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.1% vs local median 0.8% in Ludlow — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 73/100 on livability (#20 in VT, #4,932 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, health & safety A+, housing B+; Watch: schools C-, amenities F, commute F.
• Market conditions: 96 active listings in the ZIP; 339 units permitted in Windsor County in 2024 (240 in 5+ unit buildings).

Forward outlook

• In year one you build about $637 of equity ($657 loan paydown + $-20 appreciation (-0.0% local appreciation)).
• Windsor County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.0% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 212 days — a 12% lower offer ($84k) is reasonable based on typical stale-listing flexibility.

Recommended offer $83,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 212 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.93% ✓
• Cap rate: 13.07%
• Cash-on-cash: 24.19%
• DSCR: 2.08
• GRM: 4.3

CMA / ARV

• ARV (median comp): $662,098
• List price: $95,000
• Delta: -85.65%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-0.02% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.4%
• Equity multiple: 2.18×
• Total profit: $31,465
• Equity at exit: $27,484

10-year hold

• IRR: 28.4%
• Equity multiple: 4.18×
• Total profit: $84,488
• Equity at exit: $32,957

Cash invested: $26,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 41 Moderately Tenant-Leaning
• State Vermont: 41 Moderately Tenant-Leaning · D+15
• County: — inherits STATE
• City: — inherits STATE

Just-cause in Burlington (2022); strong habitability.

Methodology + full state rankings →

ZIP-level market 05149

• Home prices YoY: -0.0%
• Active inventory: 96
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,835 medium
• Mortgage (P&I): −$498
• Tax est. 1.5%: −$119 /mo · $1,425/yr
• Insurance: −$40
• HOA: −$257
• Vacancy / Maint / Mgmt: −$385
• Net cashflow: $536

Break-even live

Break-even rent $1,156

Max offer price $95,000

Occupancy floor 66%

Sensitivity live

Price	-10% $602	-5% $569	+0% $536	+5% $503	+10% $471
Rent	-10% $391	-5% $464	+0% $536	+5% $609	+10% $681
Rate	-1.0pp $584	-0.5pp $560	base $536	+0.5pp $512	+1.0pp $487

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

HOA detail condo

• Monthly dues: $257 · $3,084/yr
• Likely covers: gaspool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 17 events

1. 2026-06-21
   days on market $95,000 Active 212 DOM
2. 2026-06-18
   days on market $95,000 Active 210 DOM
3. 2026-06-17
   days on market $95,000 Active 209 DOM
4. 2026-06-16
   days on market $95,000 Active 208 DOM
5. 2026-06-15
   days on market $95,000 Active 207 DOM
6. 2026-06-15
   days on market $95,000 Active 206 DOM
7. 2026-06-13
   days on market $95,000 Active 205 DOM
8. 2026-06-12
   days on market $95,000 Active 204 DOM
9. 2026-06-09
   days on market $95,000 Active 201 DOM
10. 2026-06-08
    days on market $95,000 Active 200 DOM
11. 2026-06-08
    days on market $95,000 Active 199 DOM
12. 2026-06-07
    days on market $95,000 Active 198 DOM
13. 2026-06-03
    days on market $95,000 Active 195 DOM
14. 2026-06-02
    days on market $95,000 Active 194 DOM
15. 2026-06-01
    days on market $95,000 Active 193 DOM
16. 2026-05-31
    days on market $95,000 Active 192 DOM
17. 2025-11-20
    listed $95,000 Active 1510-char remark

    Show marketing remark (1510 chars)

    Experience Vermont's Premier Mountain Living Without Full Ownership Costs. Step directly onto Okemo's slopes from your slopeside retreat at Jackson Gore. This condo-tel quarter-share gives you deeded ownership of 13 weeks annually (25% of the year)—at a fraction of the cost of whole ownership. You own one of four deeded interests in this unit. You receive every fourth week on a rotating schedule, guaranteeing time across all seasons: winter ski weeks plus spring, summer, and fall. The rotation ensures fair distribution—over time, every owner enjoys premium holidays. Use your weeks or place them in the rental program. This isn't a timeshare—it's real property with a deed, appreciation potential, and true ownership benefits. True Ski-In/Ski-Off Access: wake up, grab gear from your private locker, and be on slopes within minutes. Ski directly back to the door at day's end. Fully furnished and turnkey-ready: full kitchen, gas fireplace, jetted tub, quality linens and housewares. Rental Income Potential: not using all 13 weeks? Jackson Gore's year-round popularity creates strong rental demand. Many owners offset maintenance fees and taxes through rental income. Own your slice of one of Vermont's most sought-after ski villages. Carve first tracks, splash in the pool, or relax fireside—Jackson Gore delivers the mountain lifestyle you've dreamed about, 13 weeks at a time. Real property ownership is subject to the Right of First Refusal. Review all association documents.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌡 Heat 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,022
• − Mortgage interest: −$5,321
• − Property taxes: −$1,425
• − Insurance: −$475
• − Repairs & maintenance: −$1,762
• − Management: −$1,762
• − HOA: −$3,084
• − Depreciation: −$2,764
• Taxable income: $5,429
• Est. tax owed @ 24.0%: −$1,303
• After-tax cash flow: $5,132/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This slopeside condo is in good condition with minimal repairs needed. It offers a great investment opportunity with potential for significant value increase through updates.

Value-add opportunities

• Both Update flooring to hardwood — Enhances curb appeal and resale value
• Both Paint interior walls — Fresh paint improves aesthetics and resale value
• Both Replace carpet with hardwood — Hardwood flooring is more durable and adds value

Renovation cost estimate screening

Value-add ROI direction

• Both Update flooring to hardwood — Enhances curb appeal and resale value ↑
• Both Paint interior walls — Fresh paint improves aesthetics and resale value ↑
• Both Replace carpet with hardwood — Hardwood flooring is more durable and adds value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

No district data.

Livability — Ludlow

• Score: 73/100
• State rank: #20
• US rank: #4932

Category grades

Amenities F Commute F Cost of living B Crime A+ Employment D- Housing B+ Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 2,171
• Population (ZIP): 2,171

Population outlook (Windsor County) Hauer SSP2

• Today (2025): 53,235 people
• By 2030: 51,269 · -3.7%
• By 2040: 46,517 · -12.6%
• By 2050: 41,859 · -21.4%
• By 2075: 33,298 · -37.5%
• By 2100: 24,523 · -53.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Lithuanian 10% Romanian 5% Russian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · German/W. Germanic 1%

Political lean MEDSL · Windsor

• 2024 margin: Solid D (+35.6) · D 66.3% · R 30.7% · Other 2.9%
• 2008→2024 swing: -4.1pp toward R · 2008: 39.7pp · 2024: 35.6pp
• All cycles: 2024: D+35.6 2020: D+38.9 2016: D+32.1 2012: D+38.1 2008: D+39.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▬ -0.02%
• Current HPI: 308.2671
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2025-11-20 Listed $95,000 PrimeMLS