8 Depot StMerrimackNH03054
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 8 Depot St, Merrimack, NH, 03054 in Merrimack is narrow, $53/mo net on $2,546/mo rent after the $2,491/mo debt service, but the property operates at break-even-plus, not a loss. At $554,000 with a 8.16% yield, the long-run equity case via 5% appreciation ($153,060 over five years) and $5,102/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.02 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $136,235.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.8% |
| Monthly Cash Flow | $53 | $850 |
City averages based on Merrimack market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,546 |
| Total Monthly Debt Service | $3,493 |
| DSCR Ratio | 0.73x |
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.
Multi Family
Built in 1876
0.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03054, Merrimack, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,677 (100%) |
| Owner Occupied HU | 8,935 (76.5%) |
| Renter Occupied HU | 2,428 (20.8%) |
| Vacant Housing Units | 314 ( 2.7%) |
| Median Home Value | $492,407 |
| Average Home Value | $542,626 |
Housing Distribution
Address Breakdown
Residential
11,232
Single Family
10,546
Multi-Family
686
Businesses
942
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
Multi Family
Built in 1876
0.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03054, Merrimack, NH area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,677 (100%) |
| Owner Occupied HU | 8,935 (76.5%) |
| Renter Occupied HU | 2,428 (20.8%) |
| Vacant Housing Units | 314 ( 2.7%) |
| Median Home Value | $492,407 |
| Average Home Value | $542,626 |
Housing Distribution
Address Breakdown
Residential
11,232
Single Family
10,546
Multi-Family
686
Businesses
942
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A