12 & 14 Maple AveOak BluffsMA02557
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 12 & 14 Maple Ave, Oak Bluffs, MA, 02557 in Oak Bluffs fits: $1,830,000, 3.32% gross yield, and a projected 5% annual appreciation rate adding $505,595 in value within five years. Rental yield 3.32%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.62) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $16,854/yr in principal paydown and $505,595 in appreciation project a total return of $278,436.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 5.1% |
| Monthly Cash Flow | $(6,470) | $950 |
City averages based on Oak Bluffs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,064 |
| Total Monthly Debt Service | $10,806 |
| DSCR Ratio | 0.47x |
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.
Multi Family
Built in 1909
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02557, Oak Bluffs, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 741 (100%) |
| Owner Occupied HU | 235 (31.7%) |
| Renter Occupied HU | 87 (11.7%) |
| Vacant Housing Units | 419 (56.5%) |
| Median Home Value | $1,068,750 |
| Average Home Value | $1,091,638 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
234
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
Multi Family
Built in 1909
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02557, Oak Bluffs, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 741 (100%) |
| Owner Occupied HU | 235 (31.7%) |
| Renter Occupied HU | 87 (11.7%) |
| Vacant Housing Units | 419 (56.5%) |
| Median Home Value | $1,068,750 |
| Average Home Value | $1,091,638 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
234
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Leslie C Floyd • Portfolio Properties
Mls Name: Martha's Vineyard MLS
Mls ID: #32500245