10 Kearney Sq APT 404LowellMA01852
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.92%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $109,131 and $3,638/yr in equity build project total return of $136,380.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.1% |
| Monthly Cash Flow | $(675) | $420 |
City averages based on Lowell 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 | $2,278 |
| Total Monthly Debt Service | $2,332 |
| 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.
Condo
Built in 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01852, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,854 (100%) |
| Owner Occupied HU | 6,449 (40.7%) |
| Renter Occupied HU | 8,567 (54.0%) |
| Vacant Housing Units | 838 ( 5.3%) |
| Median Home Value | $469,145 |
| Average Home Value | $555,537 |
Housing Distribution
Address Breakdown
Residential
14,988
Single Family
9,393
Multi-Family
5,595
Businesses
1,225
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
Condo
Built in 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01852, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,854 (100%) |
| Owner Occupied HU | 6,449 (40.7%) |
| Renter Occupied HU | 8,567 (54.0%) |
| Vacant Housing Units | 838 ( 5.3%) |
| Median Home Value | $469,145 |
| Average Home Value | $555,537 |
Housing Distribution
Address Breakdown
Residential
14,988
Single Family
9,393
Multi-Family
5,595
Businesses
1,225
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73501839