31 Lake Shore DriveEffinghamNH03882
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 31 Lake Shore Drive, Effingham, NH, 03882 in Effingham at $580,000, 5.21% gross yield, is a market-growth asset. Rental yield 5.21%. The $2,516/mo rent partially funds the $2,608/mo debt service; the core return is the 5%/yr price growth projected to add $160,243 over five years. Ziffy Mortgage's DSCR mortgage (0.96) 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: $133,001.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(1,371) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $2,516 |
| Total Monthly Debt Service | $3,657 |
| DSCR Ratio | 0.69x |
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 1945
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03882, Effingham, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,091 (100%) |
| Owner Occupied HU | 630 (57.7%) |
| Renter Occupied HU | 124 (11.4%) |
| Vacant Housing Units | 337 (30.9%) |
| Median Home Value | $291,026 |
| Average Home Value | $336,893 |
Housing Distribution
Address Breakdown
Residential
668
Single Family
668
Multi-Family
0
Businesses
28
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 1945
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03882, Effingham, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,091 (100%) |
| Owner Occupied HU | 630 (57.7%) |
| Renter Occupied HU | 124 (11.4%) |
| Vacant Housing Units | 337 (30.9%) |
| Median Home Value | $291,026 |
| Average Home Value | $336,893 |
Housing Distribution
Address Breakdown
Residential
668
Single Family
668
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5084968