130 West Shepard AvenueHamdenCT06514
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 130 West Shepard Avenue, Hamden, CT, 06514 in Hamden. Priced at $527,000, it generates $5,040/mo in gross rent and $1,459/mo in net monthly cash flow, a 11.48% yield that comfortably supports the 2.02 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $17,512. Five-year appreciation: $145,600. Equity from principal paydown: $4,418/yr. Total projected cumulative return: $285,237.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 5.8% |
| Monthly Cash Flow | $1,459 | $1,850 |
City averages based on Hamden market data in our database. Property projections are estimates.
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 | $5,040 |
| Total Monthly Debt Service | $3,500 |
| DSCR Ratio | 1.44x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1965
0.50 Acres 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24209991
