10 Oak St Unit 10WhitinsvilleMA01588
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10 Oak St Unit 10, Whitinsville, MA, 01588 in Whitinsville is narrow, $137/mo net on $2,040/mo rent after the $1,431/mo debt service, but the property operates at break-even-plus, not a loss. At $301,900 with a 8.11% yield, the long-run equity case via 5% appreciation ($83,409 over five years) and $2,531/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $117,784.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.1% |
| Monthly Cash Flow | $137 | $250 |
City averages based on Whitinsville 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 | $2,040 |
| Total Monthly Debt Service | $1,856 |
| DSCR Ratio | 1.10x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1920
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01588, Whitinsville, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,449 (100%) |
| Owner Occupied HU | 2,840 (63.8%) |
| Renter Occupied HU | 1,429 (32.1%) |
| Vacant Housing Units | 180 ( 4.0%) |
| Median Home Value | $504,677 |
| Average Home Value | $547,268 |
Housing Distribution
Address Breakdown
Residential
4,145
Single Family
3,966
Multi-Family
179
Businesses
314
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73590310
