43 Millstone LnRocklandDE19732
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 43 Millstone Ln, Rockland, DE, 19732 in Rockland is capital appreciation. Rental yield 5.9%. The 5.9% gross yield at $639,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $176,544 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.09) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $205,631.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 9.0% |
| Monthly Cash Flow | $(553) | $1,500 |
City averages based on Rockland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,144 |
| Total Monthly Debt Service | $3,443 |
| DSCR Ratio | 0.91x |
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.
Condo
Built in 1988
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19732, Rockland, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 133 (100%) |
| Owner Occupied HU | 88 (66.2%) |
| Renter Occupied HU | 12 ( 9.0%) |
| Vacant Housing Units | 33 (24.8%) |
| Median Home Value | $649,123 |
| Average Home Value | $712,216 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
76
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
Condo
Built in 1988
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19732, Rockland, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 133 (100%) |
| Owner Occupied HU | 88 (66.2%) |
| Renter Occupied HU | 12 ( 9.0%) |
| Vacant Housing Units | 33 (24.8%) |
| Median Home Value | $649,123 |
| Average Home Value | $712,216 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
76
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices