44 Boughton RoadOld LymeCT06371
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 44 Boughton Road, Old Lyme, CT, 06371 in Old Lyme is narrow, $150/mo net on $1,304/mo rent after the $764/mo debt service, but the property operates at break-even-plus, not a loss. At $169,900 with a 9.21% yield, the long-run equity case via 5% appreciation ($46,940 over five years) and $1,565/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $74,547.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.5% |
| Monthly Cash Flow | $150 | $200 |
City averages based on Old Lyme market data in our database. Property projections are estimates.
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 | $1,304 |
| Total Monthly Debt Service | $1,087 |
| DSCR Ratio | 1.20x |
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 1952
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06371, Old Lyme, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,220 (100%) |
| Owner Occupied HU | 3,777 (60.7%) |
| Renter Occupied HU | 593 ( 9.5%) |
| Vacant Housing Units | 1,850 (29.7%) |
| Median Home Value | $574,604 |
| Average Home Value | $675,310 |
Housing Distribution
Address Breakdown
Residential
4,922
Single Family
4,922
Multi-Family
0
Businesses
368
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 1952
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 06371, Old Lyme, CT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,220 (100%) |
| Owner Occupied HU | 3,777 (60.7%) |
| Renter Occupied HU | 593 ( 9.5%) |
| Vacant Housing Units | 1,850 (29.7%) |
| Median Home Value | $574,604 |
| Average Home Value | $675,310 |
Housing Distribution
Address Breakdown
Residential
4,922
Single Family
4,922
Multi-Family
0
Businesses
368
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Smart MLS
Mls Provider:
Mls ID: #24200172