118 Merchant Street LOT 5, 8, 9CambridgeWI53523
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 118 Merchant Street LOT 5, 8, 9, Cambridge, WI, 53523 in Cambridge deserves attention. This $129,800 property earns $1,958/mo in rent, a 18.11% gross yield, and nets $1,087/mo after the $584/mo payment. DSCR 3.35 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $35,861 compounds alongside $1,195/yr in yearly equity build, for a total cumulative return of $119,483.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 18.1% | 6.2% |
| Monthly Cash Flow | $1,087 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,958 |
| Total Monthly Debt Service | $819 |
| DSCR Ratio | 2.39x |
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.
Lot
Built in N/A
0.63 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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
Lot
Built in N/A
0.63 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
Listed by: Tim Roehl • Coldwell Banker Real Estate Group
Mls Name: WIREX MLS
Mls Provider:
Mls ID: #1978651
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.