1072 Stony Hill RdWilbrahamMA01095
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1072 Stony Hill Rd, Wilbraham, MA, 01095 in Wilbraham: $3,397/mo in rent, $504/mo in net income, 8.88% gross yield, 1.65 DSCR, all at $459,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $126,813 in appreciation and $4,227/yr in principal paydown projects total cumulative return of $206,716.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 5.0% |
| Monthly Cash Flow | $504 | $800 |
City averages based on Wilbraham 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 | $3,397 |
| Total Monthly Debt Service | $2,710 |
| DSCR Ratio | 1.25x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1953
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01095, Wilbraham, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,745 (100%) |
| Owner Occupied HU | 4,920 (85.6%) |
| Renter Occupied HU | 637 (11.1%) |
| Vacant Housing Units | 188 ( 3.3%) |
| Median Home Value | $427,746 |
| Average Home Value | $499,087 |
Housing Distribution
Address Breakdown
Residential
5,705
Single Family
5,428
Multi-Family
277
Businesses
431
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 1953
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01095, Wilbraham, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,745 (100%) |
| Owner Occupied HU | 4,920 (85.6%) |
| Renter Occupied HU | 637 (11.1%) |
| Vacant Housing Units | 188 ( 3.3%) |
| Median Home Value | $427,746 |
| Average Home Value | $499,087 |
Housing Distribution
Address Breakdown
Residential
5,705
Single Family
5,428
Multi-Family
277
Businesses
431
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73501757