20548 Smithfield CirMilfordDE19963
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 20548 Smithfield Cir, Milford, DE, 19963 in Milford: $2,616/mo in rent, $388/mo in net income, 8.26% gross yield, 1.53 DSCR, all at $379,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $104,959 in appreciation and $3,499/yr in principal paydown projects total cumulative return of $170,325.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.8% |
| Monthly Cash Flow | $388 | $1,250 |
City averages based on Milford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,616 |
| Total Monthly Debt Service | $2,047 |
| DSCR Ratio | 1.28x |
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 2019
7,841 sqft 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
Single Family
Built in 2019
7,841 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices