Single-Family Rental · Milford, NH

Single-Family Rental Financing in Milford, NH

Estimated 0.68x DSCR on a $450,000 single-family rental with $90,000 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$450,000
20% Down
$90,000
Loan Amount
$360,000
Est. Monthly PITIA
$3,368
Est. Monthly Rent
$2,275/mo
Est. DSCR Ratio
0.68x

Single-Family Rental investing in Milford

Single-family rentals are the cleanest DSCR file you can write in Milford. One unit, one lease, one Form 1007 market rent schedule, and the deepest set of sale and rent comps in the Hillsborough County appraisal market. Detached stock also carries the longest average tenancies, which is what actually protects the ratio you close at.

At the Milford median of $450,000, a single-family rental prices near $450,000. Minimum down is 20% ($90,000), leaving a loan of $360,000. Estimated all-in PITIA runs about $3,368 per month.

The Milford ratio math on this product

A long-term lease should produce roughly $2,275/month in gross rent. Against a PITIA of $3,368, that is an estimated DSCR ratio of 0.68x. That is below the 1.0 threshold, which is normal at this basis. Financing here works one of three ways — more money down, a no-ratio DSCR product, or qualifying on documented short-term rental revenue.

Underwriting notes specific to detached rentals: the appraiser's Form 1007 and your signed lease are compared and the lower number is used, so a below-market inherited tenant will cap your ratio no matter what the market says. Budget 5% of gross rent for vacancy and 8%–10% for management even if you self-manage — a lender will not require it, but the file should still pencil with it.

Returns and structure

Return metrics at the Milford median for this product: an estimated cap rate of 3.76%, and monthly cash flow of $1,093 negative at 20% down. Negative cash flow at the minimum down payment is common in appreciation-led markets; investors close the gap with a larger down payment, a purchase below median, an added unit, or a rate buydown.

Milford property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental (this page)$450,00020% ($90,000)$2,275/mo0.68x
2–4 Unit Multi-Family$711,00025% ($177,750)$4,232/mo0.83x
Condo & Townhome$324,00020% ($64,800)$1,797/mo0.65x

All figures model a purchase at the Milford median of $450,000 with the property-type adjustments described above, at an illustrative 7.50% DSCR rate on a 30-year fixed. Short-term rental income is shown after the standard lender haircut.

Figures on this page are modeled estimates derived from the Milford median price and market rent, adjusted for single-family rental product characteristics. They are illustrative, not a loan offer or an appraisal. Actual pricing, rent, taxes, insurance, HOA dues and DSCR depend on the specific property and on conditions at the time of application.

Milford Single-Family Rental FAQ

Price a single-family rental in Milford

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