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B- Composite 67.85
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 +22.6/30.0
  • ARV discount +15.0/15.0
  • DSCR +7.2/10.0
  • Appreciation +5.4/10.0
  • 1% rule +5.1/10.0
  • Schools +5.0/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0

$179,900

266 Robillard Rd · Stamford, VT 05352
4 bd · 1.5 ba · 2,082 sqft · SingleFamily · 143 Days on market
Built 1945 0.64 ac lot Est $325k · 45% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

Key facts

  • 0.64 acre lot
  • Built 1945
  • Listed 143 days

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/1.5-bath single-family listed at $180k.

Deal economics

  • At list price, monthly cash flow is $306 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $180k).
  • Recommended offer: $158k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
  • Market conditions: 9 active listings in the ZIP; 59 units permitted in Bennington County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • In year one you build about $3k of equity ($1k loan paydown + $1k appreciation (0.7% local appreciation)).
  • Bennington County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (0.7% appreciation + 3.0% rent growth), your $50k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 143 days — a 12% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 27y ago; this cycle's ask has dropped $45k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $110k; list at $180k implies a 64% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $158,312 (12.0% below list)

Questions for the listing agent

  1. It's been on market 143 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1945 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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.
  6. 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.
  7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.01%
Cap rate
8.34%
Cash-on-cash
7.30%
DSCR
1.32
GRM
8.2

CMA / ARV

ARV (on-the-fly)
$324,792
Comps found
1
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
146 Brookside Dr 0.28mi 3/2.0 (-1) 1,836 (-12%) 16mo $285,500 $156 47

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

0.72% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
8.1%
Equity multiple
1.41×
Total profit
$20,406
Equity at exit
$58,837
10-year hold
IRR
12.4%
Equity multiple
2.46×
Total profit
$73,560
Equity at exit
$76,234

Cash invested: $50,372 (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.

ZIP-level market 05352

Home prices YoY
0.8%
Active inventory
9
Price-to-rent
8.2×

Monthly cashflow live

Estimated rent
$1,825 medium interval (Pro) →
Mortgage (P&I)
$943
Tax from tax record
$117 /mo · $1,401/yr
Insurance
$75
HOA
$0
Vacancy / Maint / Mgmt
$383
Net cashflow
$306

Break-even live

Break-even rent $1,437
Max offer price $179,900
Occupancy floor 78%

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
$44,975
Closing costs
$5,397
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 13 events

  1. 2025-12-22
    status Pending 777-char remark
    Show marketing remark (777 chars)

    SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

  2. 2025-12-21
    status Pending
  3. 2025-11-13
    status Active
    Show marketing remark (777 chars)

    SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

  4. 2025-11-13
    status Active 777-char remark
    Show marketing remark (777 chars)

    SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

  5. 2025-11-05
    status Pending
    Show marketing remark (777 chars)

    SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

  6. 2025-11-05
    status Pending 777-char remark
    Show marketing remark (777 chars)

    SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

  7. 2025-10-27
    price $179,900
  8. 2025-10-26
    price $179,900 777-char remark
    Show marketing remark (777 chars)

    SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

  9. 2025-07-21
    listed $225,000 Active 777-char remark
    Show marketing remark (777 chars)

    SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

  10. 2025-07-21
    listed $225,000 Active
    Show marketing remark (777 chars)

    SOUTHERN VERMONT!~ DRASTIC PRICE DROP! 4 bedroom home in Stamford, Vermont located less than 15 minutes to Mass MoCA In North Adams this country location with over a 1/2 acre of great yard space. Large outdoor back deck, inside sitting porch, kitchen with pantry opens to dining & living room. Oak hardwood floors on 1st & 2nd floors. 4 nice sized bedrooms on 2nd level. 3rd level would make great secluded office area, craft area or a meditation room, 3 level has 2 rooms & 1/2 bath. Laundry is in basement. Basement appears to be dry. Oil boiler & wood burning furnace in the basement. Lots of closets and storage. Central location between Mass & Vermont downhill skiing. Easy access North to Vermont & South into Massachusetts & New York.

  11. 2006-09-06
    soldstatus $110,000
  12. 2000-09-01
    soldstatus $94,500 52-char remark
    Show marketing remark (52 chars)

    Spacious colonial with three floors of living space.

  13. 1999-08-10
    listed $107,000 52-char remark
    Show marketing remark (52 chars)

    Spacious colonial with three floors of living space.

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

Tax reassessment forecast VT · Partial reset (capped growth)

Current annual tax
$1,401 · $117/mo
Projected year-2 tax
$2,410 · $201/mo
Expected delta
+$1,008/yr (+$84/mo · 72.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 2/10 Low
  • 🌡 Heat 2/10 Low 9 d/yr ≥85°F today · 21 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 8% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$21,894
− Mortgage interest
−$10,077
− Property taxes
−$1,401
− Insurance
−$900
− Repairs & maintenance
−$1,752
− Management
−$1,752
− Depreciation
−$5,233
Taxable income
$780
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$187
After-tax cash flow
$3,488/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.

Schools (NCES district)

No district data.

Livability — Stamford

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Population (ZIP)
895

Population outlook (Bennington County) Hauer SSP2

Today (2025)
34,407 people
By 2030
32,975 · -4.2%
By 2040
29,711 · -13.6%
By 2050
26,638 · -22.6%
By 2075
21,318 · -38.0%
By 2100
16,086 · -53.2%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (95%)
Race & ethnicity
White 95% Two or more races 3% Asian 1% Hispanic / Latino 1%
Common ancestry
Lithuanian 16% Romanian 6% Slovak 5%
Foreign-born
1% · South Korea
Languages at home
99% English-only · Spanish 1%

Political lean MEDSL · Bennington

2024 margin
Strong D (+22.5) · D 60.0% · R 37.5% · Other 2.6%
2008→2024 swing
-10.9pp toward R · 2008: 33.4pp · 2024: 22.5pp
All cycles
2024: D+22.5 2020: D+27.3 2016: D+22.1 2012: D+33.3 2008: D+33.4

Not yet ingested

Civics

Market trends

HPI YoY
▲ 0.72%
Current HPI
93.0095
Rent YoY
Metro
State GDP YoY
F500 in state
0

Price history

+68.1% since first listed
13 events — show timeline
  • 2025-12-22 Pending BCMLS
  • 2025-12-21 Pending PrimeMLS
  • 2025-11-13 Relisted PrimeMLS
  • 2025-11-13 Relisted BCMLS
  • 2025-11-05 Pending PrimeMLS
  • 2025-11-05 Pending BCMLS
  • 2025-10-27 Price Changed $179,900 PrimeMLS
  • 2025-10-26 Price Changed $179,900 BCMLS
  • 2025-07-21 Listed $225,000 PrimeMLS
  • 2025-07-21 Listed $225,000 BCMLS
  • 2006-09-06 Sold (Public Records) $110,000 Public Records
  • 2000-09-01 Sold (MLS) $94,500 BCMLS
  • 1999-08-10 Listed $107,000 BCMLS

Property tax history

-3.1%/yr

Latest (2024): $1,401 · -23.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…