545 Elm Street #4MilfordNH03055
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 545 Elm Street #4, Milford, NH, 03055 in Milford is narrow, $17/mo net on $1,558/mo rent after the $1,034/mo debt service, but the property operates at break-even-plus, not a loss. At $229,900 with a 8.13% yield, the long-run equity case via 5% appreciation ($63,517 over five years) and $2,117/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $88,813.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $17 | $1,250 |
City averages based on Milford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,558 |
| Total Monthly Debt Service | $1,450 |
| DSCR Ratio | 1.07x |
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.
Manufactured
Built in 2020
436 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03055, Milford, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,847 (100%) |
| Owner Occupied HU | 4,210 (61.5%) |
| Renter Occupied HU | 2,486 (36.3%) |
| Vacant Housing Units | 151 ( 2.2%) |
| Median Home Value | $446,232 |
| Average Home Value | $473,977 |
Housing Distribution
Address Breakdown
Residential
6,787
Single Family
5,178
Multi-Family
1,609
Businesses
625
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
Manufactured
Built in 2020
436 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03055, Milford, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,847 (100%) |
| Owner Occupied HU | 4,210 (61.5%) |
| Renter Occupied HU | 2,486 (36.3%) |
| Vacant Housing Units | 151 ( 2.2%) |
| Median Home Value | $446,232 |
| Average Home Value | $473,977 |
Housing Distribution
Address Breakdown
Residential
6,787
Single Family
5,178
Multi-Family
1,609
Businesses
625
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PrimeMLS
Mls ID: #5079405