45 Stern Castle Place #32LaconiaNH03246
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 45 Stern Castle Place #32, Laconia, NH, 03246 in Laconia at $1,899,000, 2.26% gross yield, is a market-growth asset. Rental yield 2.26%. The $3,577/mo rent partially funds the $8,539/mo debt service; the core return is the 5%/yr price growth projected to add $524,659 over five years. Ziffy Mortgage's DSCR mortgage (0.42) 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: $135,386.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 5.5% |
| Monthly Cash Flow | $(9,151) | $420 |
City averages based on Laconia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,577 |
| Total Monthly Debt Service | $11,973 |
| DSCR Ratio | 0.30x |
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 N/A
0.64 Acres 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 N/A
0.64 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adam Dow • KW Coastal and Lakes & Mountains Realty/Wolfeboro
Mls Name: PrimeMLS
Mls ID: #5065914