10 Rogers St APT 229CambridgeMA02142
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 10 Rogers St APT 229, Cambridge, MA, 02142 in Cambridge is capital appreciation. Rental yield 5.99%. The 5.99% gross yield at $779,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $215,223 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.11) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $229,931.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.5% |
| Monthly Cash Flow | $(1,023) | $1,200 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,887 |
| Total Monthly Debt Service | $4,600 |
| DSCR Ratio | 0.85x |
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 1989
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02142, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,935 (100%) |
| Owner Occupied HU | 256 ( 8.7%) |
| Renter Occupied HU | 2,305 (78.5%) |
| Vacant Housing Units | 374 (12.7%) |
| Median Home Value | $1,423,077 |
| Average Home Value | $1,468,164 |
Housing Distribution
Address Breakdown
Residential
3,251
Single Family
6
Multi-Family
3,245
Businesses
453
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 1989
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02142, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,935 (100%) |
| Owner Occupied HU | 256 ( 8.7%) |
| Renter Occupied HU | 2,305 (78.5%) |
| Vacant Housing Units | 374 (12.7%) |
| Median Home Value | $1,423,077 |
| Average Home Value | $1,468,164 |
Housing Distribution
Address Breakdown
Residential
3,251
Single Family
6
Multi-Family
3,245
Businesses
453
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eriko Young • Codman Cambridge Side Realty
Mls Name: MLS PIN
Mls ID: #73450311