16 Carmel Road #M18 B12-16 L2PelhamNH03076
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 16 Carmel Road #M18 B12-16 L2, Pelham, NH, 03076 in Pelham at $1,349,999, 2.88% gross yield, is a market-growth asset. Rental yield 2.88%. The $3,240/mo rent partially funds the $6,070/mo debt service; the core return is the 5%/yr price growth projected to add $372,980 over five years. Ziffy Mortgage's DSCR mortgage (0.53) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $141,132.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(5,809) | $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 | $3,240 |
| Total Monthly Debt Service | $8,512 |
| DSCR Ratio | 0.38x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03076, Pelham, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,458 (100%) |
| Owner Occupied HU | 4,647 (85.1%) |
| Renter Occupied HU | 641 (11.7%) |
| Vacant Housing Units | 170 ( 3.1%) |
| Median Home Value | $560,686 |
| Average Home Value | $587,947 |
Housing Distribution
Address Breakdown
Residential
5,182
Single Family
5,004
Multi-Family
178
Businesses
377
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 2026
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03076, Pelham, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,458 (100%) |
| Owner Occupied HU | 4,647 (85.1%) |
| Renter Occupied HU | 641 (11.7%) |
| Vacant Housing Units | 170 ( 3.1%) |
| Median Home Value | $560,686 |
| Average Home Value | $587,947 |
Housing Distribution
Address Breakdown
Residential
5,182
Single Family
5,004
Multi-Family
178
Businesses
377
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5078292