106 Oxford AveHaverhillMA01835
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 106 Oxford Ave, Haverhill, MA, 01835 in Haverhill fits: $615,000, 5.99% gross yield, and a projected 5% annual appreciation rate adding $169,913 in value within five years. Rental yield 5.99%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.11) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,664/yr in principal paydown and $169,913 in appreciation project a total return of $181,778.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.8% |
| Monthly Cash Flow | $(804) | $450 |
City averages based on Haverhill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,072 |
| Total Monthly Debt Service | $3,632 |
| 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.
Single Family
Built in 1950
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01835, Haverhill, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,073 (100%) |
| Owner Occupied HU | 4,123 (67.9%) |
| Renter Occupied HU | 1,756 (28.9%) |
| Vacant Housing Units | 194 ( 3.2%) |
| Median Home Value | $521,038 |
| Average Home Value | $546,496 |
Housing Distribution
Address Breakdown
Residential
5,830
Single Family
5,129
Multi-Family
701
Businesses
442
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
Single Family
Built in 1950
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01835, Haverhill, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,073 (100%) |
| Owner Occupied HU | 4,123 (67.9%) |
| Renter Occupied HU | 1,756 (28.9%) |
| Vacant Housing Units | 194 ( 3.2%) |
| Median Home Value | $521,038 |
| Average Home Value | $546,496 |
Housing Distribution
Address Breakdown
Residential
5,830
Single Family
5,129
Multi-Family
701
Businesses
442
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices