11 Colonial LnWinchendonMA01475
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 11 Colonial Ln, Winchendon, MA, 01475 in Winchendon is narrow, $200/mo net on $1,101/mo rent after the $643/mo debt service, but the property operates at break-even-plus, not a loss. At $143,000 with a 9.24% yield, the long-run equity case via 5% appreciation ($39,508 over five years) and $1,317/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $67,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $200 | $900 |
City averages based on Winchendon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,101 |
| Total Monthly Debt Service | $844 |
| DSCR Ratio | 1.30x |
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.
Manufactured
Built in 1989
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01475, Winchendon, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,364 (100%) |
| Owner Occupied HU | 3,031 (69.5%) |
| Renter Occupied HU | 1,013 (23.2%) |
| Vacant Housing Units | 320 ( 7.3%) |
| Median Home Value | $371,043 |
| Average Home Value | $388,263 |
Housing Distribution
Address Breakdown
Residential
3,950
Single Family
3,699
Multi-Family
251
Businesses
193
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
Manufactured
Built in 1989
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01475, Winchendon, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,364 (100%) |
| Owner Occupied HU | 3,031 (69.5%) |
| Renter Occupied HU | 1,013 (23.2%) |
| Vacant Housing Units | 320 ( 7.3%) |
| Median Home Value | $371,043 |
| Average Home Value | $388,263 |
Housing Distribution
Address Breakdown
Residential
3,950
Single Family
3,699
Multi-Family
251
Businesses
193
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carole Norton • Real Estate Exchange
Mls Name: MLS PIN
Mls ID: #73451693