114 Central St #1WalthamMA02453
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 114 Central St #1, Waltham, MA, 02453 in Waltham. At $499,000 it earns $3,385/mo in rent and distributes $240/mo to the owner after the $2,244/mo payment, a consistent 8.14% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $137,865 in value; $4,596/yr in principal paydown compounds ownership stake. Total projected return: $204,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $240 | $1,200 |
City averages based on Waltham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,385 |
| Total Monthly Debt Service | $2,947 |
| DSCR Ratio | 1.15x |
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.
Condo
Built in 1900
N/A lot
$N/A/sqft
No HOA
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
Condo
Built in 1900
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The Paradigm Team • Coldwell Banker Realty - Newton
Mls Name: MLS PIN
Mls ID: #73404708