4 Stonegate Lane #4DerryNH03038
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4 Stonegate Lane #4, Derry, NH, 03038 in Derry speaks for itself: 10.76% gross on a $335,000 price, generating $3,005/mo in rent and $759/mo in net income after the $1,506/mo debt service. DSCR 2.00, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,112 stacks alongside $92,554 in projected five-year appreciation and $3,085/yr in principal reduction. Projected total cumulative return: $176,713.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 4.8% |
| Monthly Cash Flow | $759 | $285 |
City averages based on Derry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,005 |
| Total Monthly Debt Service | $2,112 |
| DSCR Ratio | 1.42x |
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.
Townhouse
Built in 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03038, Derry, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,587 (100%) |
| Owner Occupied HU | 9,531 (65.3%) |
| Renter Occupied HU | 4,609 (31.6%) |
| Vacant Housing Units | 447 ( 3.1%) |
| Median Home Value | $482,768 |
| Average Home Value | $548,921 |
Housing Distribution
Address Breakdown
Residential
13,786
Single Family
10,398
Multi-Family
3,388
Businesses
871
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
Townhouse
Built in 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03038, Derry, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,587 (100%) |
| Owner Occupied HU | 9,531 (65.3%) |
| Renter Occupied HU | 4,609 (31.6%) |
| Vacant Housing Units | 447 ( 3.1%) |
| Median Home Value | $482,768 |
| Average Home Value | $548,921 |
Housing Distribution
Address Breakdown
Residential
13,786
Single Family
10,398
Multi-Family
3,388
Businesses
871
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5079807