514 Middle StreetPortsmouthNH03801
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 514 Middle Street, Portsmouth, NH, 03801 in Portsmouth fits: $1,199,000, 5.56% gross yield, and a projected 5% annual appreciation rate adding $331,262 in value within five years. Rental yield 5.56%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.03) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $11,043/yr in principal paydown and $331,262 in appreciation project a total return of $297,960.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.2% |
| Monthly Cash Flow | $(2,477) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $5,560 |
| Total Monthly Debt Service | $7,560 |
| DSCR Ratio | 0.74x |
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 1900
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03801, Portsmouth, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,280 (100%) |
| Owner Occupied HU | 5,954 (48.5%) |
| Renter Occupied HU | 5,632 (45.9%) |
| Vacant Housing Units | 694 ( 5.7%) |
| Median Home Value | $709,364 |
| Average Home Value | $778,695 |
Housing Distribution
Address Breakdown
Residential
11,798
Single Family
8,732
Multi-Family
3,066
Businesses
2,488
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 1900
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03801, Portsmouth, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,280 (100%) |
| Owner Occupied HU | 5,954 (48.5%) |
| Renter Occupied HU | 5,632 (45.9%) |
| Vacant Housing Units | 694 ( 5.7%) |
| Median Home Value | $709,364 |
| Average Home Value | $778,695 |
Housing Distribution
Address Breakdown
Residential
11,798
Single Family
8,732
Multi-Family
3,066
Businesses
2,488
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5077639