12 Harwood DrBernardstonMA01337
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Bernardston rentals match the income profile of 12 Harwood Dr, Bernardston, MA, 01337. Listed at $309,900, gross rent is $3,145/mo and net cash flow is $1,145/mo, a 12.18% yield well above national averages. DSCR 2.26 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $85,620 by year five with $2,854/yr in annual principal reduction, projecting $191,583 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 5.8% |
| Monthly Cash Flow | $1,145 | $450 |
City averages based on Bernardston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,145 |
| Total Monthly Debt Service | $1,876 |
| DSCR Ratio | 1.68x |
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 1950
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01337, Bernardston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,248 (100%) |
| Owner Occupied HU | 1,007 (80.7%) |
| Renter Occupied HU | 168 (13.5%) |
| Vacant Housing Units | 73 ( 5.8%) |
| Median Home Value | $367,014 |
| Average Home Value | $423,600 |
Housing Distribution
Address Breakdown
Residential
1,025
Single Family
1,025
Multi-Family
0
Businesses
66
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 1950
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01337, Bernardston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,248 (100%) |
| Owner Occupied HU | 1,007 (80.7%) |
| Renter Occupied HU | 168 (13.5%) |
| Vacant Housing Units | 73 ( 5.8%) |
| Median Home Value | $367,014 |
| Average Home Value | $423,600 |
Housing Distribution
Address Breakdown
Residential
1,025
Single Family
1,025
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices