601 Whispering Pines WayFitchburgWI53713
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe 10.09% yield at 601 Whispering Pines Way, Fitchburg, WI, 53713 in Fitchburg is solid, but the $876/mo payment compresses net cash flow to $111/mo at $194,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $53,847 by year five, and $1,795/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.87) without U.S. income documentation. Total projected return: $82,468.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $111 | $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 | $1,639 |
| Total Monthly Debt Service | $1,450 |
| DSCR Ratio | 1.13x |
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.
Condo
Built in 1985
N/A lot
$N/A/sqft
$220 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53713, Madison, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,678 (100%) |
| Owner Occupied HU | 3,069 (26.3%) |
| Renter Occupied HU | 8,032 (68.8%) |
| Vacant Housing Units | 577 ( 4.9%) |
| Median Home Value | $293,616 |
| Average Home Value | $368,260 |
Housing Distribution
Address Breakdown
Residential
10,809
Single Family
4,946
Multi-Family
5,863
Businesses
1,050
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 1985
N/A lot
$N/A/sqft
$220 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 53713, Madison, WI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,678 (100%) |
| Owner Occupied HU | 3,069 (26.3%) |
| Renter Occupied HU | 8,032 (68.8%) |
| Vacant Housing Units | 577 ( 4.9%) |
| Median Home Value | $293,616 |
| Average Home Value | $368,260 |
Housing Distribution
Address Breakdown
Residential
10,809
Single Family
4,946
Multi-Family
5,863
Businesses
1,050
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eric Castleberg • EXP Realty, LLC
Mls Name: WIREX MLS
Mls Provider:
Mls ID: #1989356
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.