106 Elm StHatfieldMA01038
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 106 Elm St, Hatfield, MA, 01038 in Hatfield worth study. Rental yield 3.69%. The 3.69% gross yield is below cash-flow benchmarks at $799,900, but 5% annual appreciation, adding $220,998 over five years, frames this as a capital growth position. Rent of $2,459/mo partially offsets the $3,597/mo payment. Ziffy Mortgage finances appreciation-play properties (0.68 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $137,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 7.5% |
| Monthly Cash Flow | $(2,583) | $850 |
City averages based on Hatfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,459 |
| Total Monthly Debt Service | $4,723 |
| DSCR Ratio | 0.52x |
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.
Multi Family
Built in 1930
5.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01038, Hatfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,164 (100%) |
| Owner Occupied HU | 809 (69.5%) |
| Renter Occupied HU | 312 (26.8%) |
| Vacant Housing Units | 43 ( 3.7%) |
| Median Home Value | $488,409 |
| Average Home Value | $517,902 |
Housing Distribution
Address Breakdown
Residential
1,001
Single Family
957
Multi-Family
44
Businesses
123
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
Multi Family
Built in 1930
5.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01038, Hatfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,164 (100%) |
| Owner Occupied HU | 809 (69.5%) |
| Renter Occupied HU | 312 (26.8%) |
| Vacant Housing Units | 43 ( 3.7%) |
| Median Home Value | $488,409 |
| Average Home Value | $517,902 |
Housing Distribution
Address Breakdown
Residential
1,001
Single Family
957
Multi-Family
44
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Darragh • Brick & Mortar Northampton
Mls Name: MLS PIN
Mls ID: #73438028