106 Valley StreetLaconiaNH03246
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 106 Valley Street, Laconia, NH, 03246 in Laconia is narrow, $126/mo net on $2,070/mo rent after the $1,304/mo debt service, but the property operates at break-even-plus, not a loss. At $290,000 with a 8.57% yield, the long-run equity case via 5% appreciation ($80,122 over five years) and $2,671/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $118,736.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.5% |
| Monthly Cash Flow | $126 | $420 |
City averages based on Laconia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,070 |
| Total Monthly Debt Service | $1,828 |
| DSCR Ratio | 1.13x |
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.
Condo
Built in 1988
N/A lot
$N/A/sqft
No HOA
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
Condo
Built in 1988
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joshua Ritson • Coldwell Banker Realty Gilford NH
Mls Name: PrimeMLS
Mls ID: #5053873