197 Emery StreetBerlinNH03570
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 197 Emery Street, Berlin, NH, 03570 in Berlin at $245,000 earns $1,676/mo in rent and nets $34/mo after the $1,102/mo payment, a 8.21% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $67,689 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $2,256/yr in principal paydown, total projected return reaches $95,596.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 9.1% |
| Monthly Cash Flow | $34 | $185 |
City averages based on Berlin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,676 |
| Total Monthly Debt Service | $1,545 |
| DSCR Ratio | 1.08x |
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 1897
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03570, Berlin, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,818 (100%) |
| Owner Occupied HU | 2,555 (53.0%) |
| Renter Occupied HU | 1,542 (32.0%) |
| Vacant Housing Units | 721 (15.0%) |
| Median Home Value | $110,871 |
| Average Home Value | $154,447 |
Housing Distribution
Address Breakdown
Residential
4,379
Single Family
4,273
Multi-Family
106
Businesses
303
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 1897
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03570, Berlin, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,818 (100%) |
| Owner Occupied HU | 2,555 (53.0%) |
| Renter Occupied HU | 1,542 (32.0%) |
| Vacant Housing Units | 721 (15.0%) |
| Median Home Value | $110,871 |
| Average Home Value | $154,447 |
Housing Distribution
Address Breakdown
Residential
4,379
Single Family
4,273
Multi-Family
106
Businesses
303
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5079589