10 Hawley St #4ANorthamptonMA01060
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 10 Hawley St #4A, Northampton, MA, 01060 in Northampton. Rental yield 3.44%. At $1,025,000 with 3.44% gross yield, current distributions are modest, but the 5% appreciation rate projects $283,189 in new equity by year five, complemented by $9,440/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.64) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $162,655.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 5.8% |
| Monthly Cash Flow | $(3,520) | $700 |
City averages based on Northampton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,940 |
| Total Monthly Debt Service | $6,053 |
| DSCR Ratio | 0.49x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01060, Northampton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,958 (100%) |
| Owner Occupied HU | 3,179 (39.9%) |
| Renter Occupied HU | 4,163 (52.3%) |
| Vacant Housing Units | 616 ( 7.7%) |
| Median Home Value | $555,427 |
| Average Home Value | $592,032 |
Housing Distribution
Address Breakdown
Residential
7,580
Single Family
5,430
Multi-Family
2,150
Businesses
1,227
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01060, Northampton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,958 (100%) |
| Owner Occupied HU | 3,179 (39.9%) |
| Renter Occupied HU | 4,163 (52.3%) |
| Vacant Housing Units | 616 ( 7.7%) |
| Median Home Value | $555,427 |
| Average Home Value | $592,032 |
Housing Distribution
Address Breakdown
Residential
7,580
Single Family
5,430
Multi-Family
2,150
Businesses
1,227
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James D. Klucznik • Woodbridge Associates, Inc.
Mls Name: MLS PIN
Mls ID: #73457137