1137 Dwight St #CHolyokeMA01040
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow1137 Dwight St #C, Holyoke, MA, 01040 in Holyoke earns a respectable 11.41% gross yield at $199,000, but after the $895/mo mortgage the net cash flow is $138/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (2.11) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $54,980 over five years, making equity the dominant return driver. Total projected return: $116,598.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 7.0% |
| Monthly Cash Flow | $138 | $850 |
City averages based on Holyoke market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,892 |
| Total Monthly Debt Service | $1,175 |
| DSCR Ratio | 1.61x |
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.
Townhouse
Built in 1891
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01040, Holyoke, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,038 (100%) |
| Owner Occupied HU | 6,491 (38.1%) |
| Renter Occupied HU | 9,211 (54.1%) |
| Vacant Housing Units | 1,336 ( 7.8%) |
| Median Home Value | $316,021 |
| Average Home Value | $346,037 |
Housing Distribution
Address Breakdown
Residential
15,801
Single Family
11,173
Multi-Family
4,628
Businesses
1,214
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
Townhouse
Built in 1891
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01040, Holyoke, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,038 (100%) |
| Owner Occupied HU | 6,491 (38.1%) |
| Renter Occupied HU | 9,211 (54.1%) |
| Vacant Housing Units | 1,336 ( 7.8%) |
| Median Home Value | $316,021 |
| Average Home Value | $346,037 |
Housing Distribution
Address Breakdown
Residential
15,801
Single Family
11,173
Multi-Family
4,628
Businesses
1,214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lilinet Ortiz Rivera • Lowe & Lowe Realty Co.
Mls Name: MLS PIN
Mls ID: #73469436