135 Birch StreetLancasterWI53813
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $175,000, 135 Birch Street, Lancaster, WI, 53813 in Lancaster generates $1,345/mo in rent (9.22% yield) but nets only $171/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.71) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $48,349. Total projected return: $77,769.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $171 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,345 |
| Total Monthly Debt Service | $1,105 |
| DSCR Ratio | 1.22x |
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 N/A
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53813, Lancaster, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,642 (100%) |
| Owner Occupied HU | 1,785 (67.6%) |
| Renter Occupied HU | 673 (25.5%) |
| Vacant Housing Units | 184 ( 7.0%) |
| Median Home Value | $226,762 |
| Average Home Value | $280,266 |
Housing Distribution
Address Breakdown
Residential
2,539
Single Family
2,361
Multi-Family
178
Businesses
248
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
Single Family
Built in N/A
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53813, Lancaster, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,642 (100%) |
| Owner Occupied HU | 1,785 (67.6%) |
| Renter Occupied HU | 673 (25.5%) |
| Vacant Housing Units | 184 ( 7.0%) |
| Median Home Value | $226,762 |
| Average Home Value | $280,266 |
Housing Distribution
Address Breakdown
Residential
2,539
Single Family
2,361
Multi-Family
178
Businesses
248
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices