1 Hartwell StSouthbridgeMA01550
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 1 Hartwell St, Southbridge, MA, 01550 in Southbridge is a conservative rental investment at $299,900. Rental yield 6.91%. A 1.28 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $82,857; $2,762/yr in principal paydown supplements. Total projected return: $103,351.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(163) | $1,200 |
City averages based on Southbridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,727 |
| Total Monthly Debt Service | $1,771 |
| DSCR Ratio | 0.98x |
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.
Single Family
Built in 1915
2,614 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01550, Southbridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,117 (100%) |
| Owner Occupied HU | 3,495 (43.1%) |
| Renter Occupied HU | 4,198 (51.7%) |
| Vacant Housing Units | 424 ( 5.2%) |
| Median Home Value | $321,267 |
| Average Home Value | $409,633 |
Housing Distribution
Address Breakdown
Residential
7,286
Single Family
6,346
Multi-Family
940
Businesses
478
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
Single Family
Built in 1915
2,614 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01550, Southbridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,117 (100%) |
| Owner Occupied HU | 3,495 (43.1%) |
| Renter Occupied HU | 4,198 (51.7%) |
| Vacant Housing Units | 424 ( 5.2%) |
| Median Home Value | $321,267 |
| Average Home Value | $409,633 |
Housing Distribution
Address Breakdown
Residential
7,286
Single Family
6,346
Multi-Family
940
Businesses
478
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices