1 Kozera AveHadleyMA01035
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 1 Kozera Ave, Hadley, MA, 01035 in Hadley hard to pass up. The 10.3% gross yield on a $689,900 purchase results in $5,922/mo in rent and $1,574/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.91). Annual cash flow of $18,884, five-year appreciation of $190,607, and $6,354/yr in equity build-up combine for a projected total cumulative return of $363,249.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.5% |
| Monthly Cash Flow | $1,574 | $450 |
City averages based on Hadley market data in our database. Property projections are estimates.
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 | $5,922 |
| Total Monthly Debt Service | $4,074 |
| DSCR Ratio | 1.45x |
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.
Single Family
Built in 2000
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01035, Hadley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,397 (100%) |
| Owner Occupied HU | 1,569 (65.5%) |
| Renter Occupied HU | 703 (29.3%) |
| Vacant Housing Units | 125 ( 5.2%) |
| Median Home Value | $542,370 |
| Average Home Value | $566,437 |
Housing Distribution
Address Breakdown
Residential
2,208
Single Family
2,024
Multi-Family
184
Businesses
464
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 2000
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01035, Hadley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,397 (100%) |
| Owner Occupied HU | 1,569 (65.5%) |
| Renter Occupied HU | 703 (29.3%) |
| Vacant Housing Units | 125 ( 5.2%) |
| Median Home Value | $542,370 |
| Average Home Value | $566,437 |
Housing Distribution
Address Breakdown
Residential
2,208
Single Family
2,024
Multi-Family
184
Businesses
464
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73515751